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House passes 'Lloyd’s Law' to bar insurers from denying life coverage over naloxone prescriptions
Summary
House Bill 111, known as Lloyd’s Law, passed the Pennsylvania House 153-49 to prohibit life insurers from denying coverage solely because naloxone appears in an applicant’s prescription history.
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Harrisburg, March 17 — The Pennsylvania House approved House Bill 111, dubbed “Lloyd’s Law,” to prohibit life-insurance discrimination based on an applicant’s prescription history showing naloxone, the opioid-overdose reversal medication. The bill passed 153 to 49.
Representative Curry, the bill’s sponsor from Delaware County, told the House the measure is named for Lloyd, the son of Sharon White, who sought life insurance after her son’s death and was denied when naloxone appeared in prescription records. Curry framed the bill as a step to reduce stigma and protect families who keep naloxone on hand to try to save lives.
“Lloyd's law aims to prevent this type of discrimination by prohibiting insurers from denying coverage solely because someone's prescription history includes naloxone,” Curry said on the floor, recounting Sharon White’s account and urging an affirmative vote.
Clerk records show the final passage vote was 153 yeas and 49 nays. The clerk indicated the bill will be sent to the Senate for concurrence.
Advocates and supporters on the floor framed the bill as promoting public-health goals by ensuring people are not penalized for obtaining life-saving medication. The bill’s sponsor said that removing insurance penalties can reduce stigma and encourage people to obtain naloxone and other interventions without fear of insurance consequences.
HB111 now goes to the Senate for consideration.

