Exempts stop-loss insurance that self-funded employer health plans buy against unexpectedly high claims from the federal definition of health insurance coverage, and preempts state laws that prevent those plans from obtaining such coverage.

Official title: Self-Insurance Protection Act

Next stop House floor: awaiting a vote

Timeline each lane is a chamber; dates pull from congress.gov actions

House

Introduced 01-APR-2025

Referred 01-APR-2025

Approved by committee 25-JUN-2025

Reported 15-DEC-2025

On the calendar 15-DEC-2025

Key points

Excludes stop-loss policies obtained by self-insured group health plans or their sponsors from the definition of health insurance coverage in ERISA section 733(b)(1)
Covers policies that reimburse a plan or sponsor for health benefit losses above a predetermined level set in the policy
Adds a provision to ERISA section 514(b) preempting state laws that prevent group health plans from insuring against excess or unexpected claims losses

AI-generated from the Reported in House text of 15-DEC-2025 · verify · report an error

Official CRS summary

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Committee referrals (1)

Policy area

Health

Sponsor Robert F. Onder (R-MO) Cosponsors · 2

■ 2 R

2 Republicans

congress.gov page Reported in House (15-DEC-2025) Introduced in House (01-APR-2025)