HB 111 — An Act prohibiting discrimination in certain life insurance policies based on certain drugs.

PRINTER'S NO.   89

                   THE GENERAL ASSEMBLY OF PENNSYLVANIA



                       HOUSE BILL
                       No. 111
                                              Session of
                                                2025

     INTRODUCED BY CURRY, SANCHEZ, CEPEDA-FREYTIZ, HILL-EVANS,
        FREEMAN, INGLIS, PROBST, GIRAL, CIRESI, PIELLI, KHAN,
        MALAGARI, D. WILLIAMS AND SHUSTERMAN, JANUARY 14, 2025

     REFERRED TO COMMITTEE ON INSURANCE, JANUARY 14, 2025


                                   AN ACT
 1   Prohibiting discrimination in certain life insurance policies
 2      based on certain drugs.
 3      The General Assembly of the Commonwealth of Pennsylvania
 4   hereby enacts as follows:
 5   Section 1.   Short title.
 6      This act shall be known and may be cited as Lloyd's Law.
 7   Section 2.   Definitions.
 8      The following words and phrases when used in this act shall
 9   have the meanings given to them in this section unless the
10   context clearly indicates otherwise:
11      "Adverse action."   For an individual applicant or an
12   individual enrollee, or a group of which an individual applicant
13   or an individual enrollee is a part, if an individual applicant
14   or an individual enrollee has filled or is being prescribed an
15   opioid overdose reversal agent, doing any of the following:
16          (1)   Denying, canceling or refusing to renew insurance
17      coverage for an applicant or enrollee.
 1          (2)   Limiting the amount, extent or kind of coverage
 2      available to an applicant or enrollee.
 3          (3)   Charging an applicant or enrollee a rate that is
 4      different from the rate charged to other applicants or
 5      enrollees.
 6      "Applicant."    A group or an individual who seeks to obtain
 7   coverage under an insurance policy from an insurer.
 8      "Enrollee."    A policyholder, subscriber or covered person
 9   under an insurance policy.
10      "Insurance policy."      A life insurance policy, subscriber
11   contract, certificate or plan that is offered, issued or renewed
12   by an insurer.
13      "Insurer."    An entity licensed or authorized to conduct the
14   business of life insurance that is governed under the act of May
15   17, 1921 (P.L.682, No.284), known as The Insurance Company Law
16   of 1921, including Article XXIV thereof.
17   Section 3.   Prohibition on discrimination.
18      Notwithstanding any other provision of law, an insurer may
19   not take an adverse action on a life insurance policy against an
20   applicant or enrollee solely based on an individual applicant's
21   or enrollee's prior or current claim or obtainment of a
22   prescription for an opioid overdose reversal agent.
23   Section 4.   Enforcement.
24      A violation of this act shall constitute:
25          (1)   Unfair discrimination under section 353 of the act
26      of May 17, 1921 (P.L.682, No.284), known as The Insurance
27      Company Law of 1921.
28          (2)   An unfair method of competition and unfair or
29      deceptive acts or practices under the act of July 22, 1974
30      (P.L.589, No.205), known as the Unfair Insurance Practices

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1      Act.
2   Section 5.   Effective date.
3      This act shall take effect in 60 days.




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