HR 2571
Self-Insurance Protection Act
Jurisdiction
US Congress
Session
119th Congress (2025-2026)
Last updated at
Jun 13, 2026, 4:11 PM
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Sign in to take action- Introduced
- Passed House
- Passed Senate
- To President
- Became Law
Bill overview
The Self-Insurance Protection Act modifies the Employee Retirement Income Security Act (ERISA) to clarify that employer-sponsored stop-loss insurance, used to manage financial risk in self-funded health plans, is not considered health insurance coverage. This change aims to ensure that states cannot regulate stop-loss insurance in a way that restricts employers' ability to protect their assets from large healthcare claims. The bill seeks to balance federal ERISA regulations with state oversight of this type of insurance. It also clarifies that ERISA preempts state laws that might interfere with an employer’s ability to self-fund health plans and utilize stop-loss insurance.
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