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Bill

SB 53

An Act amending the act of May 17, 1921 (P.L.682, No.284), known as The Insurance Company Law of 1921, in casualty insurance, further providing for conditions subject to which policies are to be issued and for health insurance coverage for certain children of insured parents.

2025-2026 Regular Session Introduced by Lisa Baker and 13 co-sponsors

PA bill expands health insurance requirements for dependent children of insured parents by amending casualty insurance policy conditions under 1921 Insurance Company Law.

Referred to Banking & Insurance
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WeVote Research Nonpartisan
Bill Summary · SB 53

Legislative bill overview

SB 53 amends Pennsylvania's 1921 Insurance Company Law to modify conditions for issuing casualty insurance policies and expand health insurance coverage requirements for dependent children of insured parents. The bill specifically addresses gaps in existing insurance regulations regarding family coverage obligations.

Why is this important

Health insurance coverage for dependents directly affects family financial security and access to medical care. This amendment could require insurers to maintain or expand coverage for adult children or dependents who might otherwise lose protection, potentially impacting both insurance markets and healthcare accessibility in Pennsylvania.

Potential points of contention

  • Insurer cost implications: Mandating broader dependent coverage may increase premiums or administrative costs for insurance companies, which could be passed to consumers or reduce insurer profit margins
  • Definition ambiguity: The bill's reference to "certain children" lacks specificity—unclear whether this covers adult children, stepchildren, adopted children, or age-limited dependents, creating implementation and eligibility questions
  • Existing federal requirements: May overlap or conflict with the Affordable Care Act's dependent coverage provisions (age 26 limit), raising questions about whether this addresses a genuine gap or duplicates federal protections

Compiled from official sources — confirm details with the bill’s official record.

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