Blocks states from regulating certain stop-loss insurance for employer health plans
This bill would stop states from regulating certain stop-loss insurance policies that employers use to protect their self-funded health plans. It would clarify that these policies are not considered health insurance under federal law, which could affect how employers manage their health benefits.
Today, employer-sponsored health benefit plans are regulated by federal law, but states regulate the stop-loss insurance that employers buy to protect against large claims. This bill would change that by explicitly stating that stop-loss policies are not health insurance under federal law and would override state laws that try to regulate how self-insured plans use stop-loss insurance.
HR 2571 · 119th Congress · April 1, 2025 · AI Summary by gemini-2.5-flash · 9/10
Sign in to see your representatives' phone numbers
12 filings mentioned this bill
Amounts reflect total quarterly lobbying spend reported to the Senate, not bill-specific spending. Source: Senate LDA filings.