Federal bill would shield self-insured employers from state stop-loss rules
Placed on the calendarH.R. 2571Latest action
Sponsor: Robert F. Onder, Jr. · Representative · MO
AIDecoded by AI · checked against the recordRead the official text
Official title: Self-Insurance Protection Act
119th Congress
Topics: Health care
Introduced:
Read the official bill on Congress.govIn plain words
The plain-language version comes first. The official text is always the reference.
HR 2571 would bar states from blocking self-insured employers' access to stop-loss insurance and define it separately from regular health insurance.
50-second read · 4 questions answered below
What does this do?
HR 2571 would formally define stop-loss insurance as distinct from traditional health insurance under federal law. It would also prohibit states from passing laws that prevent self-insured employers from purchasing stop-loss coverage. Stop-loss insurance is a product employers use to cap their financial exposure when they pay workers' health costs directly from their own funds.
Who does it affect?
The bill most directly affects small and mid-sized employers that self-insure their workers' health benefits and the employees at those companies. State insurance regulators would lose authority over this area if the bill is enacted.
Why does it matter?
Some states have set rules that make it harder for smaller employers to purchase stop-loss insurance, and this bill would override those restrictions by making federal law the final authority. Easier access to stop-loss insurance could make self-insuring a more practical option for more employers, which may shift how financial risk behind employee health benefits is managed and regulated.
AI-drafted summary. Check it against the official text before you act on it.
Read the official bill on Congress.govMake the call
Where does it stand?
- IntroducedApr 1, 2025
- House committee
- House voteYou are here · Dec 15, 2025
- Senate
- The president's desk
Right now: it was placed on the , and the official record shows no floor action on it since. If the Senate changes it, it goes back to the House before reaching the president.
Latest action: — Placed on the Union Calendar, Calendar No. 356.