skip to main content

H.R. 1304: Self-Insurance Protection Act

Apr 5, 2017 at 3:57 p.m. ET. On Passage of the Bill in the House.

This was a vote to pass H.R. 1304 (115th) in the House.

H.R. 1304 clarifies that federal regulators cannot redefine “stop-loss” insurance as “health insurance coverage” under federal law. Specifically, the legislation amends the Employee Retirement Income Security Act of 1974 (ERISA), the Public Health Service Act (PHSA), and the Internal Revenue Code (Code) to continue allowing employers to utilize stop-loss insurance coverage, a financial risk-management tool, when offering employees health care coverage through a self-funded plan. The bill does not restrict the regulation of stop-loss insurance at the state level.

An employer who self-funds provides for employees’ medical costs by paying providers directly or reimbursing employees as claims arise. This occurs instead of paying a fixed premium to an insurance company. In these circumstances, a trust is typically set up to fund such claims. Self-insured employers are responsible for employees’ health care expenses, and they have the flexibility to customize the design of their health plans to meet the specific needs of their workforce.

Some employers who self-insure purchase stop-loss insurance as a financial risk management tool to protect against catastrophic claims. Stop-loss coverage reimburses a self-insured sponsor for medical claims that exceed a certain pre-established level of liability, but it does not insure employees or reimburse medical providers for care.

Stop-loss insurance is regulated at the state level, but not the federal level. The previous administration repeatedly signaled interest in regulating stop-loss insurance as health insurance under ERISA, the PHSA, and the Code, potentially forcing many employers to decide between offering self-insured employee benefits and offering a potentially more expensive fully-insured health care plan. H.R. 1304 will ensure the federal government cannot regulate stop-loss insurance, protecting access to flexible and affordable health care coverage.

Source: Republican Policy Committee

Totals

All Votes R D
Yea 96%
 
 
400
230
 
170
 
Nay 4%
 
 
16
0
 
16
 
Not Voting
 
 
13
6
 
7
 

Passed. Simple Majority Required. Source: house.gov.

Ideology Vote Chart

Key:
Republican - Yea Democrat - Yea Democrat - Nay
Seat position based on our ideology score.

Cartogram Map

Each hexagon represents one congressional district. Solid hexes are Yea votes.

What you can do

Vote Details

Notes: The Speaker’s Vote? “Aye” or “Yea”?
Download as CSV

Statistically Notable Votes

Statistically notable votes are the votes that are most surprising, or least predictable, given how other members of each voter’s party voted and other factors.

All Votes

Study Guide

How well do you understand this vote? Use this study guide to find out.

You can find answers to most of the questions below here on the vote page. For a guide to understanding the bill this vote was about, see here.

What was the procedure for this vote?

  1. What was this vote on?
  2. Not all votes are meant to pass legislation. In the Senate some votes are not about legislation at all, since the Senate must vote to confirm presidential nominations to certain federal positions.

    This vote is related to a bill. However, that doesn’t necessarily tell you what it is about. Congress makes many decisions in the process of passing legislation, such as on the procedures for debating the bill, whether to change the bill before voting on passage, and even whether to vote on passage at all.

    You can learn more about the various motions used in Congress at EveryCRSReport.com. If you aren’t sure what the House was voting on, try seeing if it’s on this list.

  3. What is the next step after this vote?
  4. Take a look at where this bill is in the legislative process. What might come next? Keep in mind what this specific vote was on, and the context of the bill. Will there be amendments? Will the other chamber of Congress vote on it, or let it die?

    For this question it may help to briefly examine the bill itself.

What is your analysis of this vote?

  1. What trends do you see in this vote?
  2. Members of Congress side together for many reasons beside being in the same political party, especially so for less prominent legislation or legislation specific to a certain region. What might have determined how the roll call came out in this case? Does it look like Members of Congress voted based on party, geography, or some other reason?

    One tool that will be helpful in answering this question is the cartogram at the top of the page. A cartogram is a stylized map of the United States that shows each district as an identical hexagon. This view allows you to see the how the representatives from each district voted arranged by their geography and colored by their political party. What trends can you see in the cartogram for this vote?

  3. How did your representative vote?
  4. There is one vote here that should be more important to you than all the others. These are the votes cast by your representative, which is meant to represent you and your community. Do you agree with how your representative voted? Why do you think they voted the way they did?

    If you don’t already know who your Members of Congress are you can find them by entering your address here.

Each vote’s study guide is a little different — we automatically choose which questions to include based on the information we have available about the vote. Study guides are a new feature to GovTrack. You can help us improve them by filling out this survey or by sending your feedback to hello@govtrack.us.