,,ib ,union ,calendar ,no4 #hh #aahth   
,,congress  #ast ,session  ,h4 ,r4 #bhac
 ,report ,no4 #aah-aad1 ,part ,i ,,in   
,,the ,,house ,,of ,,representatives    
,april #be1 #bjbc,mr4 ,good of ,virginia
 7for himself and ,mr4 ,walberg7        
introduced the following bill2 which was
 referred to the ,committee on          
,education and the ,workforce1 and in   
addition to the ,committees on ,energy  
and ,commerce1 and ,ways and ,means1 for
 a period to be subsequently determined 
by the ,speaker1 in each case for       
consideration of such provisions as fall
 within the jurisdiction of the         
committee concerned  ,june #bj1         
#bjbc;,additional sponsor3 ,mr4 ,smucker
  ,june #bj1 #bjbc,reported from the    
,committee on ,education and the        
,workforce with an amendment,strike out 
all after the enacting clause and insert
 the part printed in italic  ,june #bj1 
#bjbc;,committees on ,energy and        
,commerce and ,ways and ,means          
discharged2 committed to the ,committee 

of the ,whole ,house on the ,state of   
the ,union and ordered to be printed,for
 text of introduced bill1 see copy of   
bill as introduced on ,april #be1 #bjbc 
,a ,,bill  ,to amend the ,employee      
,retirement ,income ,security ,act of   
#aigd1 the ,public ,health ,service     
,act1 and the ,internal ,revenue ,code  
of #aihf to exclude from the definition 
of health insurance coverage certain    
medical stop-loss insurance obtained by 
certain plan sponsors of group health   
plans1 and for other purposes4  #a4     
,short title ,this ,act may be cited as 
the ,self-,insurance ,protection ,act4  
#b4 ,findings ,congress finds the       
following3 7#a7 ,small and large        
employers offer health benefit plan     
coverage to employees in self-funded    
arrangements using company assets or a  
fund1 or by paying premiums to purchase 
fully-insured coverage from a health    
insurance company4  7#b7 ,employers that
 self-fund health benefit plans will    
often purchase stop-loss insurance as a 

financial risk management tool to       
protect against excess or unexpected    
catastrophic health plan claims losses  
that arise above projected costs paid   
out of company assets4  7#c7 ,stop-loss 
coverage insures the employer sponsoring
 the health benefit plan against        
unforeseen health plan claims1 does not 
insure the employee health benefit plan 
itself1 and does not pay health care    
providers for medical services provided 
to the employees4  7#d7                 
,employer-sponsored health benefit plans
 are regulated under the ,employee      
,retirement ,income ,security ,act of   
#aigd1 however1 ,states regulate the    
availability and the coverage terms of  
stop-loss insurance coverage that       
employers purchase to protect company   
assets and to protect a fund against    
excess or unexpected claims losses4     
7#e7 ,both large and small employers    
that choose to self-fund must also be   
able to protect company assets or a fund
 against excess or unexpected claims    

losses and ,states must reasonably      
regulate stop-loss insurance to assure  
its availability to both large and small
 employers4  #c4 ,certain medical       
stop-loss insurance obtained by certain 
plan sponsors of group health plans not 
included under the definition of health 
insurance coverage ,section #gcc7;b77#a7
 of the ,employee ,retirement ,income   
,security ,act of #aigd 7#bi ,u4,s4,c4  
#aaia;b7b77#a77 is amended by adding at 
the end the following sentence3 ,such   
term shall not include a stop-loss      
policy obtained by a self-insured group 
health plan or a plan sponsor of a group
 health plan that self-insures the      
health risks of its plan participants to
 reimburse the plan or sponsor for      
losses that the plan or sponsor incurs  
in providing health or medical benefits 
to such plan participants in excess of a
 predetermined level set forth in the   
stop-loss policy obtained by such plan  
or sponsor44  #d4 ,effect on other laws 
,section #ead7;b7 of the ,employee      

,retirement ,income ,security ,act of   
#aigd 7#bi ,u4,s4,c4 #aadd7;b77 is      
amended by adding at the end the        
following3  7#aj7 ,the provisions of    
this title 7including part #g relating  
to group health plans7 shall preempt    
,state laws insofar as they may now or  
hereafter prevent an employee benefit   
plan that is a group health plan from   
insuring against the risk of excess or  
unexpected health plan claims losses4  4
  ,amend the title so as to read3 ,a    
bill to amend the ,employee ,retirement 
,income ,security ,act of #aigd to      
exclude from the definition of health   
insurance coverage certain medical      
stop-loss insurance obtained by certain 
plan sponsors of group health plans1 and
 for other purposes44 ,june #bj1        
#bjbc,reported from the ,committee on   
,education and the ,workforce with an   
amendment,june #bj1 #bjbc;,committees on
 ,energy and ,commerce and ,ways and    
,means discharged2 committed to the     
,committee of the ,whole ,house on the  

,state of the ,union and ordered to be  
printed