Log in or register
Share on LinkedInShare on LinkedIn

ARTICLE · 02 DECEMBER 2025

ICHRA Legislation Reboot May Attract Bipartisan Support Amidst Government Shutdown

Hall Benefits Law
Explore more from Hall Benefits Law

Although lawmakers of both parties failed to include a law concerning Individual Coverage Health Reimbursement Arrangements (ICHRAs) into the One Big Beautiful Bill Act (OBBBA), efforts are underway...

United StatesInsurance
Hall Benefits Law
Hall Benefits Law
Author LinkedIn connections

Although lawmakers of both parties failed to include a law concerning Individual Coverage Health Reimbursement Arrangements (ICHRAs) into the One Big Beautiful Bill Act (OBBBA), efforts are underway to "reboot" ICHRA through a stand-alone bill. Republican lawmakers in the House and Senate have both introduced versions of a new ICHRA bill. Supporters of ICHRAs praise them for expanding access to more affordable and portable health coverage options. ICHRAs also may allow individuals to purchase plans customized to their needs.

In the past, ICHRA bills enjoyed broad bipartisan support, but Democratic cosponsors have yet to sign on to support the reboot bills. Some hope that the traditionally bipartisan legislation may bring Democrats and Republicans back to the negotiating table and ultimately end the current government shutdown. A stable insurance market is crucial to the success of ICHRAs. Currently, the impending expiration of ACA individual health insurance premium

We operate a free-to-view policy, asking only that you register in order to read all of our content. Please login or register to view the rest of this article.

Register for freeORLog in

The content of this article is intended to provide a general guide to the subject matter. Specialist advice should be sought about your specific circumstances.

View source

Related Articles

Legal Intelligence Newsletters: sign up for the latest legal and regulatory news on your chosen topics

Read more about

Related Comparative Guides

See more popular content from

Article

AI Regulation In Insurance: A Crossroads

As artificial intelligence development accelerates and safety concerns mount, state insurance regulators are advancing comprehensive examination frameworks to govern AI use in the insurance industry. The National Association of Insurance Commissioners nears completion of its AI Risk Evaluation Supplement, which will establish standardized oversight procedures for insurers' AI governance practices across market conduct and financial examinations.
United StatesInsurance
McDermott Will & Schulte
McDermott Will & Schulte
Article

Privacy, Cyber & Data Strategy Advisory | NAIC Summer Meeting Sharpens Focus On AI, Data, And Technology Governance

The National Association of Insurance Commissioners intensified its regulatory focus on artificial intelligence governance, third-party data models, and cybersecurity oversight at its Summer 2026 meeting. Regulators are shifting from principles-based guidance to examination-ready supervisory tools, emphasizing that insurers remain accountable for the technologies and vendors they deploy. The meeting revealed how AI risk evaluation, vendor oversight frameworks, and privacy modernization efforts are convergin
United StatesInsurance
Alston & Bird LLP
Alston & Bird LLP
Article

Agents Of Change: Amendments To Washington State Insurance Regulations Take Effect October 18

Washington's Insurance Commissioner has announced significant amendments to insurance claims handling regulations that will reshape how insurers investigate and process claims in the state. The changes, effective October 2026, introduce new requirements for mitigation approvals, investigation standards, and claimant communications that could substantially impact insurer operations and liability exposure. These regulatory updates come in response to a surge in consumer complaints and litigation, establishing
United StatesInsurance
Ballard Spahr LLP
Ballard Spahr LLP
Article

Don’t Try To Deny It: Federal Court Holds FCA Settlement Is Covered By Insurance

A federal court ruled that CNA must provide coverage for Guidehouse's $7.6 million False Claims Act settlement related to cybersecurity failures in New York's Emergency Rental Assistance Program portal. The decision addresses critical questions about when insurers can deny coverage for FCA settlements under professional liability policies, particularly regarding exclusions for fines, penalties, and deliberate acts.
United StatesInsurance
Crowell & Moring LLP
Crowell & Moring LLP
Article

Massachusetts Appeals Court Affirms Chapter 93A Liability For Delayed Disability Insurance Benefits

The Massachusetts Appeals Court examined whether an insurer's two-year delay in paying disability benefits constituted a violation of state consumer protection and insurance laws. Despite medical evidence describing the plaintiff's feet as paralyzed and functionally useless, the insurer repeatedly denied claims under a policy provision for total loss of use of both feet, arguing the plaintiff could still walk with assistive devices.
United StatesInsurance
Greenberg Traurig
Greenberg Traurig
Podcast

The CLO Chronicles — NAIC’s New Life RBC Factors Cross The Finish Line (Podcast)

The NAIC has spent four years overhauling capital requirements for life insurance companies' investments in collateralized loan obligations, introducing dramatic changes that will reshape how insurers allocate capital across their investment portfolios. These new rules, which account for credit spectrum positioning and tranche thickness for the first time, will force insurers to model significant impacts before year-end 2026 implementation.
United StatesInsurance
Mayer Brown
Mayer Brown
Article

Is Your PFAS Coverage At Risk? An Ohio Federal Court Ruling Opens The Door To Broader Insurer Denials

A federal court in Ohio has ruled that an occupational disease exclusion in a commercial general liability policy bars coverage for PFAS-related personal injury claims brought by firefighters against a manufacturer of firefighting equipment. This landmark decision could significantly impact how insurers respond to PFAS product liability claims and may extend beyond occupational disease exclusions to other policy provisions using similarly broad language.
United StatesInsurance
Benesch, Friedlander, Coplan & Aronoff LLP
Benesch, Friedlander, Coplan & Aronoff LLP
Article

Federal Agencies Issue Guidance On Employer Trump Account Contributions

The Treasury Department and IRS have issued new guidance on employer contributions to Trump Accounts, the tax-advantaged investment accounts for children created under President Trump's One Big Beautiful Bill. Employers can now make tax-free contributions of up to $2,500 annually to these Section 530A accounts for employees or their dependents, subject to specific plan requirements and non-discrimination rules.
United StatesEmployment and HR
Hall Benefits Law
Hall Benefits Law
Article

Sephora Fights Back Against Allegations Of Discrimination Related To Its Loyalty Program

Sephora faces multiple arbitration claims alleging its Beauty Insider loyalty program discriminates by generating personalized product recommendations based on demographic information like race and age. The company has filed at least 16 lawsuits seeking declarations that its optional personalization features comply with California's Unruh Civil Rights Act, arguing the recommendations enhance customer experience without restricting product access or changing pricing terms.
United StatesEmployment and HR
Hall Benefits Law
Hall Benefits Law
Article

Suit Alleges Anthem Withheld $30 Million In No Surprises Act Awards

PHI Health LLC has filed suit against Anthem, alleging that the insurer and health plans it administers have failed to pay about $30 million in final payment determinations issued under the No Surprises Act (NSA)’s independent dispute resolution (IDR) process. The suit, which PHI filed in an Indiana federal district court, seeks over $1.3 million in interest on the payments that Anthem is accused of withholding.
United StatesFood, Drugs, Healthcare, Life Sciences
Hall Benefits Law
Hall Benefits Law
Article

DOL Dismantles Affirmative Action Rules For Federal Contractors

As part of the White House’s broader effort to rewrite federal equal employment opportunity rules, the U.S. Department of Labor (DOL) has issued three final rules that substantially roll back affirmative action requirements for federal contractors. These rules collectively address Executive Order 11246, Section 503 of the Rehabilitation Act, and the Vietnam Era Veterans’ Readjustment Assistance Act (VEVRAA), which, up until now, comprised the regulatory framework that the DOL’s Office of Federal Contract Compliance Programs (OFCCP) administers.
VietnamEmployment and HR
Hall Benefits Law
Hall Benefits Law