Sending Office: Honorable Chris Pappas
Cosponsor H.R. 1832: The Insurance Fairness for First Responders Act of 2019
Co-Sponsors: Cox, Dean,
King, Kuster, Lujan, Rose, Sewell, Speier, Trone
Increasing naloxone access has been critical in the fight against the opioid crisis, especially as the problem has progressed from abuse of prescription drugs to the use of heroin and fentanyl. Both the federal and state governments have taken steps to promote
access through the widespread use of standing orders, which allow providers to write a single prescription that can be used by any individual.
In an increasing number of cases, first responders and health care professionals have faced denial of coverage or higher premiums based on the fact that they carry naloxone and were therefore judged by life insurances to be at higher risk of death from overdose.
While it is legal for life insurers to reject applications based on prescription drugs, this should not happen at the expense of a widely accepted solution to a crisis that is ripping the country apart.
First responders and medical professionals – the individuals who are often the first line of defense and the ones actively fighting the crisis – should not be penalized or deterred from carrying naloxone.
The Insurance Fairness for First Responders Act of 2019 directs the Secretary of the Treasury to issue regulations that would prevent life insurers from denying applications or raising premiums for first responders and medical professionals
who have accessed naloxone through a standing order.
This legislation gives the Secretary and chief law enforcement officers of any state the authority to enforce the regulations and would supplement, not overrule, state laws regulating life insurance. States laws and transactions that offer greater protections
would be exempt from the regulations. Implementation would go into effect six months after passage of this bill.
If you have any questions or want to become a cosponsor of the Insurance Fairness for First Responders Act, please contact Asha Samuel in the Office of Congressman Chris Pappas by calling 5-5456 or emailing her at
Member of Congress
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