ERISA is the federal law governing self-funded health benefits. As a federal law, it usually preempts state legislation. But state legislation can sometimes impact self-funded plans when it attacks the products and services employers use to provide benefits to employees. There is an increasing number of state laws that have the potential to impact self-funded employers’ ability to control plan design. ERISA is important for self-funded employers because it preserves their ability to provide uniform benefit plans that address the needs of employees across state lines.
LBGH works to protect Louisiana employers through advocacy at the state and federal level.