Bill · H.R. 2571· House(119-HR-2571)
Self-Insurance Protection Act
- Introduced
- 4/1/2025
- Last activity
- 12/15/2025 — Placed on the Union Calendar, Calendar No. 356.
- Sponsored by
- Robert Onder
- Cosponsors
- - 2 - 0
- Introduced
- On Calendar
What this bill would do
The "Self-Insurance Protection Act" aims to amend the Employee Retirement Income Security Act of 1974. This bill seeks to exclude specific medical stop-loss insurance from the legal definition of health insurance coverage. This type of insurance is used by employers who self-fund health benefit plans to protect against unexpected or catastrophic claims. By making this change, the bill clarifies that these policies reimburse the employer for losses rather than insuring the employees directly. Finally, the bill adjusts how certain laws interact with state regulations regarding these insurance risks.
Yes
Would business owners be better off under this?+3
The bill clarifies and protects the ability of employers to use stop-loss insurance to manage financial risks.
Does this make it easier to run a small business?+3
The bill provides regulatory clarity and protection for small employers using self-funded health plans.
The opposite
No question was scored the opposite.
Who it would affect, and how
Potential Positive Impacts for People
-
Protection for Employers against Financial Risk: The bill notes that employers who self-fund plans use stop-loss insurance as a tool to protect against excess or unexpected catastrophic health plan claims losses (Section 2).
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Clarification of Insurance Purpose: The bill establishes that stop-loss coverage is meant to insure the employer against unforeseen claims and does not pay healthcare providers directly for employee medical services (Section 2).
-
Regulatory Flexibility: The bill amends existing laws to ensure that group health plans can insure against the risk of excess or unexpected health plan claims losses without being prevented by certain provisions (Section 4).
Potential Negative Impacts for People
- No negative impacts or burdens are explicitly stated in the provided text.
Groups and Interests Ranking
Every group the model scored this bill for, from -10 to +10. Hover a score for the reason it gave.
- Demographic And Interest Groups
- Good For Business Owners+3
- Economy And Finance
- Improves Small Business Support+3
- 12/15/2025
- Reported (Amended) by the Committee on Education and Workforce. H. Rept. 119-408.
- Placed on the Union Calendar, Calendar No. 356.
- 9/8/2025
- 1 Cosponsor added.
- 7/10/2025
- 1 Cosponsor added.
- 6/25/2025
- Committee Consideration and Mark-up Session Held
- Ordered to be Reported (Amended) by the Yeas and Nays: 21 - 15.
- 4/1/2025
- Referred to the House Committee on Education and Workforce.
- Introduced in House
Glenn GrothmanRepublican · Wisconsin
Mark MessmerRepublican · Indiana