Bill > HR3799

This bill, the CHOICE Arrangement Act, has several key provisions: 1. It amends the Employee Retirement Income Security Act (ERISA) to allow groups or associations of employers to be treated as a single "employer" for the purpose of offering group health plans, regardless of whether the employers are in the same industry. This is intended to make it easier for small businesses to band together and offer health insurance to their employees. 2. It creates a new type of health reimbursement arrangement called a "custom health option and individual care expense arrangement" that allows employers to provide a fixed-dollar amount for employees to use towards the cost of individual health insurance coverage or Medicare. These arrangements are exempt from certain Affordable Care Act requirements. 3. It clarifies that stop-loss insurance purchased by self-insured group health plans is not considered "health insurance coverage" that is subject to state regulation, in order to help protect employers that self-fund their health plans. 4. It requires the IRS to notify employers, with a focus on small businesses in rural areas, about the availability of tax-advantaged flexible health insurance benefits like individual coverage HRAs and the small employer health insurance tax credit. The bill aims to provide more flexibility and options for employers, particularly small businesses, in offering and funding health insurance coverage for their employees.

Budget and Finance

https://www.congress.gov/bill/118th-congress/house-bill/3799/all-info