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H.R. 2813 118th Congress House

Self-Insurance Protection Act

Official title: To amend the Employee Retirement Income Security Act of 1974, the Public Health Service Act, and the Internal Revenue Code of 1986 to exclude from the definiti… Show full official titleShow less

Official title: To amend the Employee Retirement Income Security Act of 1974, the Public Health Service Act, and the Internal Revenue Code of 1986 to exclude from the definition of health insurance coverage certain medical stop-loss insurance obtained by certain plan sponsors of group health plans, and for other purposes.

Introduced: April 25, 2023 See on congress.gov
Health Employee benefits and pensionsHealth care costs and insurance
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This bill died when the 118th Congress ended
It never became law before the 118th Congress (2023–2024) adjourned, and bills don't carry over to the next Congress. It would have to be reintroduced. You can still save it for reference, but it won't receive updates.
 Everywhere this bill has been 10 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Dec 17, 2024
Referred to the Subcommittee on Health.
Jun 20, 2023
Placed on the Union Calendar, Calendar No. 88.
Jun 20, 2023
Committee on Ways and Means discharged.
Jun 20, 2023
Committee on Energy and Commerce discharged.
Jun 20, 2023
Reported (Amended) by the Committee on Education and the Workforce. H. Rept. 118-114, Part I.
Jun 6, 2023
Ordered to be Reported (Amended) by the Yeas and Nays: 24 - 18.
Jun 6, 2023
Committee Consideration and Mark-up Session Held.
Apr 28, 2023
Referred to the Subcommittee on Health.
Apr 25, 2023
Referred to the Committee on Education and the Workforce, and in addition to the Committees on Energy and Commerce, and Ways and Means, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
Apr 25, 2023
Introduced in House
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 Latest action December 17, 2024

Referred to the Subcommittee on Health.

 Plain-English summary Congressional Research Service

Self-Insurance Protection Act

This bill specifies that stop-loss coverage is not health insurance coverage for purposes of regulation under the Employee Retirement Income Security Act of 1974.

Stop-loss policies are generally obtained by self-insured health plans or sponsors of self-insured group health plans to reimburse the plan or sponsor for losses incurred in providing health benefits to plan participants in excess of a level set forth in the stop-loss policy.

The bill also preempts state laws that prevent employers from obtaining stop-loss coverage.

 Related & companion bills 1
 Bill text 2 versions

Source documents hosted by congress.gov.

 Committees of jurisdiction 5
 Cosponsors 2
All 2 Republican 2
R
Smucker, Lloyd
Pennsylvania · May 2, 2023
 R
Walberg, Tim
Michigan · Apr 25, 2023
Cite this page click to expand
APA
U.S. Congress. (2026). H.R. 2813: Self-Insurance Protection Act. 118th Congress. Open America. https://openamerica.io/bill/118-HR-2813/
MLA
"H.R. 2813: Self-Insurance Protection Act." 118th Congress, 2026, Open America, https://openamerica.io/bill/118-HR-2813/.
Bluebook (legal)
H.R. 2813, 118th Cong. (2026), https://openamerica.io/bill/118-HR-2813/.
Markdown link
[H.R. 2813: Self-Insurance Protection Act](https://openamerica.io/bill/118-HR-2813/)
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