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Read. Follow. Verify.Pennsylvania House Bill 404 Establishes State-Level Dependent Coverage Mandates for Insurance Policies
Last action · March 25, 2025: Referred to BANKING AND INSURANCE, March 25, 2025Sponsors: Eddie Pashinski and 54 others
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What This Bill Would Do
House Bill 404 establishes state-level health insurance requirements ensuring that family policies can cover dependents up to age twenty-six and allowing continued coverage up to age twenty-nine under certain group policies at the employee's expense. The measure is designed to serve as a contingent substitute coverage requirement that takes effect if federal dependent health insurance provisions under 42 U.S.C. § 300gg-14 are repealed, invalidated, or unenforced.
The measure establishes a statutory fallback mechanism for state insurance regulations, ensuring that rules remain in place under Pennsylvania law if federal health care mandates are altered or removed by Congress, the courts, or the executive branch.
Who It Would Affect
Groups the bill's text would affect if enacted, as described in the record. Being affected is not a position for or against it.
Insured parents and policyholders
Policyholders are granted the right to maintain dependent coverage for children up to age twenty-six and may opt to pay for continued coverage for adult children up to age twenty-nine.
Insurers operating in Pennsylvania
Insurers must comply with updated dependent coverage mandates, refrain from restricting coverage based on specified personal factors, and adjust premium determinations when continuation provisions are triggered.
Key Facts
You don't have to trust us. Each fact below is taken straight from the official document - click any one to see the exact passage, highlighted in the original.
Frequently Asked Questions
What age limit does House Bill 404 establish for general dependent child health insurance coverage?
Can insurers deny coverage to a dependent based on their employment or marital status?
Under what conditions does the main body of this act take effect?
What else do you want to know?
News Coverage
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Votes, people, money & the original sourceWhere This Stands
Currently passed chamber. The next step in the legislative lifecycle is Law.
Procedural history
11 actions- Mar 25, 2025SenateCommitteeReferred to BANKING AND INSURANCE, March 25, 2025
- Mar 25, 2025SenateIn the Senate
- Mar 25, 2025HouseFloorThird consideration and final passage, March 25, 2025 (123-79)
- Mar 25, 2025HouseCommitteeRe-reported as committed, March 25, 2025
- Mar 24, 2025HouseRe-committed to APPROPRIATIONS, March 24, 2025
- Mar 24, 2025HouseFloorSecond consideration, March 24, 2025
Show 5 earlier actions
- Mar 19, 2025HouseRemoved from table, March 19, 2025
- Mar 17, 2025HouseLaid on the table, March 17, 2025
- Mar 17, 2025HouseIntroducedFirst consideration, March 17, 2025
- Mar 17, 2025HouseCommitteeReported as committed, March 17, 2025
- Jan 29, 2025HouseCommitteeReferred to INSURANCE, Jan. 29, 2025
Version history
Only one version on file - nothing to compare yet. As later stages (committee substitute, engrossed, enrolled) are captured, the redline appears here.
View official text →Lobbying Activity
No state lobbying filings in our records match this bill. Federal lobbying reports (LDA) cover Congress, so they are not listed on state bills.
Full breakdown
Who this bill affects and the strongest case for and against it, written only from the bill’s own text.
Sponsors
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Discoveries
Patterns POLISCOPE noticed across the record. These are observations to investigate, not conclusions.
Contingent State-Level Backup Legislation
The bill is explicitly structured to remain dormant until a specific federal repeal, court invalidation, or enforcement failure occurs regarding 42 U.S.C. § 300gg-14, acting as an insurance policy for state-level consumer protections.
Connected Entities
Sources
www.palegis.us
Analysis Score
0–100- Significance65How much this matters to a regular citizen
- Controversy20Intensity of disagreement among stakeholders
- Entertainment5Compellingness for a non-policy-wonk reader
- Buzz30Current news / social attention level
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