PA SB50

Prohibits health insurers from denying coverage, charging higher premiums, or excluding benefits based on pre-existing conditions or health factors including health status, medical history, genetic information, disability, or domestic violence history

Limits premium rate variations in individual and small group markets to only four factors: family size, geographic area, age (maximum 3:1 ratio for adults), and tobacco use (maximum 1.5:1 ratio)

Requires insurers to place all enrollees in the individual market into a single risk pool, and all small group market enrollees into a separate single risk pool, excluding grandfathered plans

Authorizes the Insurance Department to enforce violations through license suspension/revocation, fines up to $5,000 per violation ($10,000 for willful violations), with aggregate annual caps of $500,000 for insurers and $100,000 for other persons

Takes effect immediately upon enactment and allows the Insurance Department to issue temporary regulations for two years to facilitate prompt implementation