Pennsylvania insurance appeal rights

The Pennsylvania Insurance Department regulates state-licensed commercial appeals and operates an external review program under Act 146 of 2020.

Internal appeal rights

Internal appeal: 180 days. Response 30 days standard, 72 hours urgent.

External review

Pennsylvania external review under Act 146 is administered through state-certified IROs and binds the carrier; filing is free to the consumer.

PA regulator

Pennsylvania Insurance Department. official site

Notable

Department Consumer Services: 877-881-6388.
Pennsylvania's external review program (Act 146) went live in 2024 with a state-run platform.

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State law information is provided for general guidance and is not legal advice. Confirm with your state regulator or a licensed attorney for your specific case.