PA SB51

Requires all individual and group health insurance policies in Pennsylvania to cover 10 categories of essential health benefits: ambulatory services, emergency services, hospitalization, maternity/newborn care, mental health/substance use treatment, prescription drugs, rehabilitative services, laboratory services, preventive care/chronic disease management, and pediatric services including dental and vision

Mandates coverage must be at least as comprehensive as benefits required in individual, small group, or large group policies first offered in Pennsylvania in 2018

Authorizes the Insurance Department to add or exempt health benefits through regulation, considering factors such as population health needs, discrimination potential, benefit accessibility and cost, and medical/scientific advancements

Establishes penalties including license suspension/revocation, up to $5,000 per violation ($10,000 for willful violations), with annual aggregate caps of $500,000 for insurers and $100,000 for other persons

Grants the Insurance Department authority to issue temporary regulations for two years following publication, exempt from standard regulatory review requirements, to facilitate prompt implementation