AN ACT CONCERNING CONSUMER PROTECTIONS FOR CERTAIN HEALTH INSURANCE PLANS.

This bill requires stop-loss insurance policies used with self-funded employer health plans to either cover essential health benefits under the ACA and state-mandated coverage, or meet minimum cost thresholds of $75,000 per individual and $250,000 total annual coverage. It directly affects employers that self-fund health benefits (instead of purchasing traditional insurance) and their employees, ensuring these plans provide meaningful protection against high medical costs. The key mechanism sets two clear options: full coverage of required benefits or specific cost-sharing limits. This creates uniform standards for stop-loss policies without altering existing ACA or state health coverage requirements.