Which federal act governs group health plans that often reference EHB standards but allow for state law variations?

Answer

Employee Retirement Income Security Act (ERISA)

The Employee Retirement Income Security Act (ERISA) is legislation that governs many aspects of employment-based benefit plans. Health benefit plans falling under ERISA governance frequently refer to the standards set by Essential Health Benefits (EHBs). However, the application and specifics of these standards are not always uniform, as variations can arise depending on the specific type of plan involved and the corresponding state laws that apply. This contrasts with the general consistency requirements enforced across plans sold directly through the Health Insurance Marketplace, although the Department of Labor also issues guidance relating to these ERISA-governed group health plans regarding these standards.

Which federal act governs group health plans that often reference EHB standards but allow for state law variations?

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