Pennsylvania Health Insurance Regulations

Pennsylvania has stringent health insurance regulations - but that doesn't mean you don't need to know them!

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Pennsylvania health insurance laws

Pennsylvania health insurance policies are required to include the following:

  • guaranteed renewability provision
  • exclusion period for pre-existing conditions of no more than 12 months.
  • 31 day coverage for newborns and adopted children

Pennsylvania health insurance regulations

Blue Cross Blue Shield offers Pennsylvania health insurance to every resident. Premiums are not based on health status.

Other Pennsylvania health insurance companies can:

  • deny you health insurance on the basis of your health

Pennsylvania health insurance companies must:

  • not charge you higher premiums basis of your health.
  • offer you health insurance if you've had coverage within the last 12 months.
  • not cancel an existing health insurance policy due to illness.

Pennsylvania health insurance: temporary policies

Temporary health insurance is available through conversion policies or short term Pennsylvania health insurance.

Other PA health insurance info

If you want more help getting a good health insurance policy, take our free health insurance internet course.

Or check out our guide to Pennsylvania small business health insurance.


For more on PA health insurance, visit the Pennsylvania Insurance Department.

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