Vote YES: Self-Insurance Protection Act (H.R. 1304)

By at 4 April, 2017, 10:41 am

UPDATE: On April 5, H.R. 1304 passed the House by a vote of  400-16.

Support Health Insurance Choices for Small Businesses

Vote YES on H.R. 1304, the Self-Insurance Protection Act

Dear Member of the U.S. House of Representatives:

On behalf of the Small Business & Entrepreneurship Council (SBE Council) and our 100,000 members nationwide, I urge you to vote in favor of the “Self-Insurance Protection Act” (H.R. 1304).

Self-insurance continues to grow as a health coverage option for small and mid-size businesses. This innovative strategy provides small businesses with an opportunity to tailor plans to meet the needs of employees, and cope with the ever-increasing cost of health coverage. The plans are less restrictive, and offer options where insurance choices are dwindling. With self-insurance, the business takes on more financial risk and is why stop-loss insurance is a key part of these plans.

Stop-loss insurance has never been considered health insurance under federal law, and that status must be reaffirmed. Imposing regulation on stop-loss would be inappropriate and unwise, especially given long-standing policy and because regulation would threaten this practical option where health insurance choice is disappearing. H.R. 1304 reaffirms existing policy by amending federal law to exclude stop-loss insurance from the definition of “health insurance coverage.”

Thank you, in advance, for considering America’s entrepreneurial sector and their workforce on this important vote. H.R. 1304 is a smart bill that will protect and preserve an important health insurance option while Congress works to advance reforms that create a more competitive and affordable market for small businesses.


Karen Kerrigan, President & CEO

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