HB 2342 — An Act amending the act of December 15, 1982 (P.L.1291, No.292), known as the Medicare Supplement Insurance Act, providing for applications for medicare supplement policies.

PRINTER'S NO.    3115

                     THE GENERAL ASSEMBLY OF PENNSYLVANIA



                         HOUSE BILL
                         No. 2342
                                               Session of
                                                 2026

     INTRODUCED BY ORTITAY, COOK, PICKETT, JAMES, ARMANINI, CIRESI,
        GALLAGHER, FRANKEL, STAATS AND HANBIDGE, MARCH 31, 2026

     REFERRED TO COMMITTEE ON AGING AND OLDER ADULT SERVICES,
        MARCH 31, 2026


                                    AN ACT
 1   Amending the act of December 15, 1982 (P.L.1291, No.292),
 2      entitled "An act to provide for the reasonable
 3      standardization and minimum loss ratios of coverage and
 4      simplification of terms and benefits of group medicare
 5      supplement accident and health insurance policies or group
 6      subscriber contracts of health plan corporations and
 7      nonprofit health service plans; to facilitate public
 8      understanding and comparison of such policies; to eliminate
 9      provisions contained in such policies which may be misleading
10      or confusing in connection with the purchase thereof or with
11      the settlement of claims; and to provide for full disclosure
12      in the sale of such coverages to persons eligible for
13      medicare by reason of age," providing for applications for
14      medicare supplement policies.
15      The General Assembly of the Commonwealth of Pennsylvania
16   hereby enacts as follows:
17      Section 1.    The act of December 15, 1982 (P.L.1291, No.292),
18   known as the Medicare Supplement Insurance Act, is amended by
19   adding a section to read:
20   Section 4.1.    Applications for medicare supplement policies.
21      (a)   An insurer of a medicare supplement policy for an
22   applicant may not deny, condition the issuance or effectiveness
23   of or discriminate in the pricing of the medicare supplement
 1   policy because of the status, claims experience, receipt of
 2   health care or medical condition of the applicant.
 3      (b)    This section applies to an applicant who:
 4             (1)   Submits an application for a medicare supplement
 5      policy before or during the six-month period beginning on the
 6      first day of the first month during which the applicant is:
 7                   (i)    at least 65 years of age; and
 8                   (ii)    timely enrolled for benefits under Medicare
 9             Part B without penalty under Federal law.
10             (2)   Meets all of the following conditions:
11                   (i)    Is at least 65 years of age.
12                   (ii)    Is insured under a medicare supplement policy.
13                   (iii)    Submits an application for a medicare
14             supplement policy:
15                          (A)   to an insurer of a medicare supplement
16                   policy that is different from the insurer of the
17                   applicant's current medicare supplement policy; and
18                          (B)   within 60 days of the applicant's birthday.
19                   (iv)    Seeks to maintain the same type of lettered
20             medicare supplement plan, including any variation of the
21             lettered medicare supplement plan.
22      (c)    A new medicare supplement policy issued to an applicant
23   described under subsection (b)(2) must go into effect on the
24   first day of the month that is at least 30 days after the
25   signature date on the application for the medicare supplement
26   policy.
27      Section 2.         The addition of section 4.1 of the act shall
28   apply to a medicare supplement policy that is delivered, issued
29   or renewed on or after the effective date of this section.
30      Section 3.         This act shall take effect January 1, 2027.

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