An Act providing for health care insurance coverage protections, for duties of the Insurance Department and the Insurance Commissioner, for regulations, for enforcement and for penalties. Annual or lifetime limits typically affect individuals with chronic medical conditions, such as cancer, mental illness, or addiction, that require constant treatment and drug therapies. According to estimates from the Departments of Human Services and Insurance, 4.5 million Pennsylvanians have benefited from the Federal prohibition on annual and lifetime limits. Under the legislation, insurance policies sold or renewed in the Commonwealth, after the effective date of the bill, may not include an annual or lifetime limit.