Vote Smart's Synopsis:

Vote to pass a bill that prohibits life insurers in Pennsylvania from discriminating against applicants based on a prescription for an opioid overdose reversal agent.

Highlights:

• Defines an “adverse action,” for the purposes of this Act, as any of the following actions regarding an individual applicant or enrollee who has filled or is prescribed an opioid overdose reversal agent (Sec. 2):

• Denying, canceling, or refusing to renew insurance coverage for an applicant or enrollee;

• Limiting the amount, extent, or kind of coverage available to an applicant or enrollee; or

• Charging an applicant or enrollee a rate that is different from that charged to other applicants or enrollees.

• Prohibits an insurer from taking an adverse action on a life insurance policy against an applicant or enrollee solely based on a prior or current claim or obtainment of a prescription for an opioid overdose reversal agent (Sec. 3).

• Specifies that a violation of this Act constitutes both (Sec. 4):

• Unfair discrimination under the Insurance Company Law of 1921; and 

• Unfair method of competition and unfair or deceptive acts or practices under the Unfair Insurance Practices Act (Sec. 4).

• Specifies that this Act takes effect 60 days after passage (Sec. 5).

Full Bill Text