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SB 836

AN ACT REQUIRING THE HEALTH CARE CABINET TO REPORT ON THE FEASIBILITY OF REGULATING STOP LOSS INSURANCE POLICIES USED IN CONJUNCTION WITH HEALTH PLANS AS FULLY INSURED HEALTH PLANS.

2025 Regular Session Introduced by Martin Looney

Connecticut directs health care cabinet to study regulating stop-loss insurance as fully insured plans, potentially increasing employer costs and insurance market oversight.

REF. TO JOINT COMM. ON Public Health
#consumerprotection #healthinsurance #patients
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Bill Summary · SB 836

Legislative bill overview

SB 836 directs Connecticut's health care cabinet to study whether stop-loss insurance policies—which protect employers from catastrophic healthcare claims—should be regulated as fully insured health plans. The bill requires a feasibility report examining the regulatory, financial, and administrative implications of reclassifying these policies under standard health insurance regulations.

Why is this important

Stop-loss insurance is currently regulated differently than traditional health insurance, creating a potential regulatory gap. This study could affect how self-insured employers manage risk and may influence healthcare costs, coverage standards, and consumer protections in Connecticut's health insurance market.

Potential points of contention

  • Employer costs: Reclassifying stop-loss policies as fully insured plans could increase premiums for self-insured employers, potentially raising healthcare expenses for businesses and their workers
  • Regulatory burden: Stricter regulation may impose additional compliance requirements and administrative costs on insurers and employers already operating under current rules
  • Market structure: Changes could reshape Connecticut's insurance market by reducing flexibility in how employers can structure self-insured health benefits, potentially limiting options for smaller businesses

Compiled from official sources — confirm details with the bill’s official record.

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