Self-Insurance Protection Act

# Self-Insurance Protection Act Summary **What the Bill Would Do** The Self-Insurance Protection Act (HR 2571) would protect employers who self-insure their employee health plans—meaning they pay for health claims directly rather than purchasing traditional insurance. The bill aims to shield these self-insured plans from certain state insurance regulations and requirements that currently apply to traditional insurance companies. This would give self-insured employers more flexibility in how they structure and manage their employee health benefits. **Who It Affects** This bill primarily affects large employers that self-insure employee health plans, as these companies typically have the financial resources to cover employee claims directly.

It would also impact employees covered by self-insured plans, insurance companies that compete in the employee benefits market, and state regulators who currently oversee health insurance requirements. **Current Status** As of now, HR 2571 is in committee and has not been voted on by the full House. The bill was introduced by Representative Robert Onder (R-Missouri) and is being considered by relevant committees that handle employee benefits and health care matters.