Regulators Pressed to Distinguish Stop-Loss Insurance from Health Insurance

Article Taken From: Self Insurance Institute of America

July 9, 2013 — The Self-Insurance Institute of America, Inc. (SIIA) last week filed a comment letter with the Internal Revenue Service reaffirming the association’s position that stop-loss insurance should be differentiated from health insurance with regard to separate proposed ACA rules related to the Health Insurance Providers Fee and Compensation Deduction Limitations for Certain Health Insurance Providers.

Over the past two years, SIIA lobbyists and members have met with key policymakers at every level of the Federal government to educate them about stop-loss insurance and why it should not be confused with health insurance.  The proposed rules implementing Section 9010 of the ACA and new Section 162(m) (6) of the Internal Revenue Code do not include stop-loss insurance as part of the definition of health insurance, but to ensure clarity, SIIA formally requested that stop-loss insurance be explicitly exempted from these new requirements in the final rules.

The full text of the comment letter can be accessed through the members’ only section of the association’s web site at, or requested from SIIA Government Relations Coordinator at, or by calling 202/463-8161.

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