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PUBLIC NOTICE - Pennsylvania Insurance Department Seeks Public Comment on Section 1332 Innovation Waiver Application

Public Comment Period: November 15 – December 14, 2019

Harrisburg, PA – The Pennsylvania Insurance Department will be accepting public comments on its Section 1332 waiver application beginning Friday, November 15, 2019 through Saturday, December 14, 2019.

On July 2, 2019, Governor Wolf signed Act 42, which created an opportunity for Pennsylvania to create a State reinsurance program to help moderate premium increases in the Commonwealth's individual health insurance market and maintain and protect coverage gains in the Commonwealth.  The program would use reinsurance funds to partially reimburse insurers for certain claims for higher-cost members in the individual market. This would allow the insurers to lower premiums for all members than they otherwise would have without such reimbursement. Pennsylvania's reinsurance program will be "invisible" to consumers, who will continue to enroll in coverage and seek care under their policies in the same manner as always. 

Section 1332 waivers empower states to pursue innovative programs and modify certain rules outlined in the Affordable Care Act (ACA) to tailor health care coverage options to meet the unique needs of their markets and their residents. State programs must meet four guardrails to take advantage of this waiver. A waiver program must:

  • provide coverage that is at least as comprehensive as ACA coverage;
  • provide coverage that is at least as affordable as ACA coverage;
  • provide coverage to a comparable number of state residents;
  • not increase the federal deficit.

Public comments can be e-mailed to the Pennsylvania Insurance Department at or by mail:

Pennsylvania Insurance Department

1332 Innovation Waiver
Attn:  David Buono
1326 Strawberry Square
Harrisburg, PA 17120

Section 1332 general information, frequently asked questions, and a comprehensive description are available for review at

The department will host two public hearings that will provide an opportunity to Pennsylvanians to learn more and submit comments on the 1332 waiver application. The hearings will be held:

                December 3, 2019                          December 5, 2019
                11:00 a.m. - 2:00 p.m.                    11:00 a.m. - 2:00 p.m.
                The Nittany Lion Inn                       Keystone Building – Hearing Room 3
                200 W. Park Ave.                            400 North St.
                State College, PA 16803                Harrisburg, PA 17120

All questions should be directed to the email and mailing address noted above.

This information will be published in the November 23, 2019 Pennsylvania Bulletin. 

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