# 119-hr-2571: Self-Insurance Protection Act

119-hr-2571, Self-Insurance Protection Act, is a 119th Congress bill sponsored by Rep. Onder, Robert F. [R-MO-3] (R-MO); status in_committee; PRIA reads it as touching household money (as of 2026-06-12).

- Canonical: https://policyrisk.com/legislation/119-hr-2571
- As of: 2026-06-12
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-2571
- Congress: 119
- Title: Self-Insurance Protection Act
- Status: in_committee
- Introduced: 2025-04-01
- Sponsor: Rep. Onder, Robert F. [R-MO-3] (R-MO)
- Cosponsors: 2
- Policy area: Health
- Touches household money: yes
- Last recorded action: 2026-06-12

## Summary

**Would protect self-funded group health plans' use of stop-loss insurance.** It would clarify that stop-loss policies are not 'health insurance' under ERISA and would preempt State laws that try to block or reclassify those arrangements. - Employers and plan sponsors: Employers that self-insure would be able to buy stop-loss policies without those policies counting as health insurance under ERISA. - Self-funded group health plans: Plans would get a federal shield to insure against excess or unexpected losses. - States: State laws that would stop group health plans from buying stop-loss coverage would be preempted.

## Cosponsors (2)

- Rep. Messmer, Mark B. [R-IN-8] (R-IN), 2025-07-10T00:00:00.000Z
- Rep. Grothman, Glenn [R-WI-6] (R-WI), 2025-09-08T00:00:00.000Z

## Provisions PRIA read

- Protect stop-loss coverage for self-insured employers: benefit, high. This bill would clarify rules for self-insured employer health plans. A stop-loss policy that pays above a set level would not count as health insurance. It would also bar states from blocking plans from insuring big or unexpected claim losses. That could make self-funding easier while limiting ris…

## Related bills

- 119-hr-3151: SHIPS for America Act of 2025
- 119-hr-21: Born-Alive Abortion Survivors Protection Act
- 119-hr-5483: Chloe Cole Act
- 119-hr-2528: Association Health Plans Act
- 119-hr-7651: Chloe Cole Act of 2026
- 119-hr-2552: RIFLE Act

## Sources
- [119-hr-2571 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/2571)

## Related
- [119-hr-3151: SHIPS for America Act of 2025](https://policyrisk.com/legislation/119-hr-3151)
- [119-hr-21: Born-Alive Abortion Survivors Protection Act](https://policyrisk.com/legislation/119-hr-21)
- [119-hr-5483: Chloe Cole Act](https://policyrisk.com/legislation/119-hr-5483)
- [119-hr-2528: Association Health Plans Act](https://policyrisk.com/legislation/119-hr-2528)
- [119-hr-7651: Chloe Cole Act of 2026](https://policyrisk.com/legislation/119-hr-7651)
- [119-hr-2552: RIFLE Act](https://policyrisk.com/legislation/119-hr-2552)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-2571 (as of 2026-06-12).