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HR 2571 · 119th Congress · Health

Self-Insurance Protection Act

Introduced April 01, 2025 Latest action December 15, 2025 2 cosponsors

Sponsor

Latest action

Placed on the Union Calendar, Calendar No. 356.

Action timeline

Every recorded action on this bill, newest first. Stage badges color-code the legislative path.

Dec 15, 2025
committee Reported (Amended) by the Committee on Education and Workforce. H. Rept. 119-408.
Education and Workforce Committee
Dec 15, 2025
other Placed on the Union Calendar, Calendar No. 356.
Jun 25, 2025
committee Committee Consideration and Mark-up Session Held
Education and Workforce Committee
Jun 25, 2025
committee Ordered to be Reported (Amended) by the Yeas and Nays: 21 - 15.
Education and Workforce Committee
Apr 01, 2025
introduced Introduced in House

Text versions

Each stage of the bill — official text published by GPO. Click any format to read on congress.gov / govinfo.

Dec 15, 2025 Reported in House
XML
Apr 01, 2025 Introduced in House
XML

Changelog
ⓘ

How a bill moves through Congress. Each stage produces a new official text. The diff between them shows what changed at that step.

  1. ih / is — Introduced in House / Senate. First filed version.
  2. rfh / rfs — Referred to a committee for review.
  3. rh / rs — Reported back by the committee to the floor (often with amendments — this is where most language changes happen).
  4. pcs / pch — Placed on Calendar for floor consideration.
  5. eh / es — Engrossed. Passed by the originating chamber. Text is now what was actually voted on.
  6. rdh / rds — Received by the other chamber.
  7. eah / eas — Engrossed Amendment. The other chamber passed an amended version.
  8. ath / ats — Agreed to. Both chambers settled on the same text.
  9. enr — Enrolled. Final reconciled text, sent to the President.
  10. pl — Public Law. Signed by the President. It's now law.
  11. pp — Public Print. Official printing post-enactment.

Most bills die before eh/es. Going from pcs → enr is the full path through both chambers.

Line-level diff between text versions of this bill — what actually changed at each legislative stage.

→
+48 −8 25 unchanged
--- Introduced (House)
+++ Reported (House)
@@ -1,11 +1,14 @@
[From the U.S. Government Publishing Office]
-[H.R. 2571 Introduced in House (IH)]
+[H.R. 2571 Reported in House (RH)]
<DOC>
+Union Calendar No. 356
119th CONGRESS
1st Session
H. R. 2571
+
+[Report No. 119-408]
To amend the Employee Retirement Income Security Act of 1974 to exclude
from the definition of health insurance coverage certain medical stop-
@@ -20,6 +23,19 @@
Mr. Onder introduced the following bill; which was referred to the
Committee on Education and Workforce
+
+December 15, 2025
+
+Additional sponsors: Mr. Messmer and Mr. Grothman
+
+December 15, 2025
+
+Reported with an amendment, committed to the Committee of the Whole
+House on the State of the Union, and ordered to be printed
+[Strike out all after the enacting clause and insert the part printed
+in italic]
+[For text of introduced bill, see copy of bill as introduced on April
+1, 2025]
_______________________________________________________________________
@@ -55,12 +71,12 @@
not pay health care providers for medical services provided to
the employees.
(4) Employer-sponsored health benefit plans are regulated
-under the Employee Retirement Income Security Act of 1974,
-however, 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 losses.
-(5) Both large and small employers that choose to self-fund
+under the Employee Retirement Income Security Act of 1974.
+(5) However, 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 from
+excess or unexpected claims losses.
+(6) 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
@@ -89,4 +105,28 @@
hereafter prevent an employee benefit plan that is a group health plan
from insuring against the risk of excess or unexpected health plan
claims losses.''.
-<all>
+Union Calendar No. 356
+
+119th CONGRESS
+
+1st Session
+
+H. R. 2571
+
+[Report No. 119-408]
+
+_______________________________________________________________________
+
+A BILL
+
+To amend the Employee Retirement Income Security Act of 1974 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.
+
+_______________________________________________________________________
+
+December 15, 2025
+
+Reported with an amendment, committed to the Committee of the Whole
+House on the State of the Union, and ordered to be printed

Lobbying activity

Organizations whose LDA filings reference this bill, ranked by filing count. Position not disclosed — LDA does not require lobbyists to report support / oppose / monitor. Bill-number references can be stale (lobbyists sometimes copy text year-over-year), so verify against the filing description.

AMERICAN CANCER SOCIETY CANCER ACTION NETWORK INC
HCR
5
filings · 2026 Q3
SUN LIFE FINANCIAL (U.S.) SERVICES COMPANY INC.
INS
5
filings · 2026 Q3
NATIONAL ASSOCIATION OF WHOLESALER-DISTRIBUTORS
HCR
4
filings · 2026 Q3
AMERICAN HEART ASSOCIATION
HCR
4
filings · 2026 Q3
EPILEPSY FOUNDATION
HCR
4
filings · 2026 Q3
NATIONWIDE MUTUAL INSURANCE COMPANY
HCR
3
filings · 2025 Q3
BLUE CROSS AND BLUE SHIELD ASSOCIATION
HCR
3
filings · 2025 Q3
BLOOD CANCER UNITED (FKA THE LEUKEMIA & LYMPHOMA SOCIETY)
HCR
3
filings · 2026 Q3
BLUE CROSS BLUE SHIELD OF MICHIGAN
HCR
3
filings · 2025 Q3
BLUE CROSS AND BLUE SHIELD OF FLORIDA INC
HCR
3
filings · 2025 Q3

via Senate LDA · self-reported quarterly. Filing count = filings mentioning this bill (no position required), not money spent on it. Click a client to see all bills they've filed on.

Cosponsors (2)

Members who signed on to support this bill.

Messmer R
Grothman R