By NextBestFitERISA (employer benefit plans) & its preemption of state law (§514)
amendedYear 0Federal insurance & health law
Today
Self-insured employer plans (about 60% of covered workers) are federally regulated and shielded from state insurance law.
Under the plan
Employer health plans for UHP services end; preemption amended so states can regulate supplementary coverage.
Trade-off
Large multistate employers lose uniform federal treatment of their remaining benefits.