Self-Insurance Protection Act
On calendar: it can still change before the session ends.
- Stage
- On calendar
- Started in
- House
- Sponsors
- 3
- Latest action
- Dec 15, 2025
What it does
The Self-Insurance Protection Act would amend the Employee Retirement Income Security Act of 1974 to exclude certain medical stop-loss insurance purchased by self-insured group health plan sponsors from the federal definition of "health insurance coverage." This change would clarify that stop-loss policies—used by employers to protect against catastrophic claims—are not subject to state insurance regulation when obtained to reimburse the plan or sponsor for losses exceeding a predetermined threshold. The bill also asserts that ERISA preempts state laws that interfere with a group health plan’s ability to insure against excess or unexpected claims losses, aiming to ensure nationwide…
No official summary is available here. This one was written by AI from the bill’s text.
Where it stands
Introduced (Done)
Committee (Current step)
Floor (Not started)
Law (Not started)
What moved
Who is involved
Sponsors
The lawmakers who put their names on it, lead sponsors first.
In the news
Reporting that may mention this subject. Possible matches are labeled.
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Where it goes next
While a bill can still move, the questions are about people and money.