Life Without ERISA Pre-Emption
Without what is known as ERISA pre-emption, national employers will be required to provide benefits according to state rules (mandates). That will make the administration of benefits to the employers workforce more costly, taking benefit dollars away from participants to pay for administration.
This world will be one where two employees working in say Philadelphia or New York City but living in different states will have different benefits. One might be able to cover their unmarried child to age 26 the other to age 29. One might be subject to a $30 copay for the same service that the other is subject to a $15 copay irrespective of the cost of the actual service.
Coverage Will Differ From State to State
The Senate Finance Committee bill allows for a lot of state control while the House legislation appears to restrict state decision making to Medicaid details.
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