Rewrite insurance & benefits law

Effective in stages with each enrollment wave · Congress; DOL EBSA; Treasury; state insurance commissionersDiscuss this step

State insurance departments & mandated benefits

amendedYear 4States & localities

Today

Regulate fully insured plans; impose benefit mandates and premium taxes.

Under the plan

Regulate supplementary insurance only; benefit mandates moot; premium tax base shrinks (~$18.0B lost).

Trade-off

States lose revenue and regulatory reach.