Phase 1: Enactment & build · Step 1.11

Rewrite insurance & benefits law

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

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Task 1.11.5 of 6

Amend ERISA preemption so states can regulate supplementary coverage and enforce UHP coordination of benefits.

Who does it

Congress

When

Month 0

Trade-off

Amending ERISA preemption lets states regulate supplements but creates 50 sets of rules for multistate employers.

Part of: Rewrite insurance & benefits law

Amend ERISA, the tax code, and the ACA so that employer plans and private insurance cannot duplicate UHP benefits, and so supplementary insurance is regulated.

This step changes 10 existing laws, programs, or institutions. See the list.