Title 29 — Labor
Part 7 · Chapter 18 — Employee Retirement Income Security Program
§ 1191. Preemption; State flexibility; construction
Statutory text
Continued applicability of State law with respect to health insurance issuers
In general
Subject to paragraph (2) and except as provided in subsection (b), this part shall not be construed to supersede any provision of State law which establishes, implements, or continues in effect any standard or requirement solely relating to health insurance issuers in connection with group health insurance coverage except to the extent that such standard or requirement prevents the application of a requirement of this part.
Continued preemption with respect to group health plans
Nothing in this part shall be construed to affect or modify the provisions of section 1144 of this title with respect to group health plans.
Special rules in case of portability requirements
In general
Subject to paragraph (2), the provisions of this part relating to health insurance coverage offered by a health insurance issuer supersede any provision of State law which establishes, implements, or continues in effect a standard or requirement applicable to imposition of a preexisting condition exclusion specifically governed by section 1181 of this title which differs from the standards or requirements specified in such section.
Exceptions
Only in relation to health insurance coverage offered by a health insurance issuer, the provisions of this part do not supersede any provision of State law to the extent that such provision—
substitutes for the reference to “6-month period” in section 1181(a)(1) of this title a reference to any shorter period of time;
substitutes for the reference to “12 months” and “18 months” in section 1181(a)(2) of this title a reference to any shorter period of time;
substitutes for the references to “63 days” in sections 1181(c)(2)(A) and (d)(4)(A) 1 of this title a reference to any greater number of days;
substitutes for the reference to “30-day period” in sections 1181(b)(2) 2 and (d)(1) of this title a reference to any greater period;
prohibits the imposition of any preexisting condition exclusion in cases not described in section 1181(d) of this title or expands the exceptions described in such section;
requires special enrollment periods in addition to those required under section 1181(f) of this title; or
reduces the maximum period permitted in an affiliation period under section 1181(g)(1)(B) 3 of this title.
Rules of construction
Except as provided in section 1185 of this title, nothing in this part shall be construed as requiring a group health plan or health insurance coverage to provide specific benefits under the terms of such plan or coverage.
Definitions
For purposes of this section—
State law
The term “State law” includes all laws, decisions, rules, regulations, or other State action having the effect of law, of any State. A law of the United States applicable only to the District of Columbia shall be treated as a State law rather than a law of the United States.
State
The term “State” includes a State, the Northern Mariana Islands, any political subdivisions of a State or such Islands, or any agency or instrumentality of either.
Footnotes
- 1 So in original. Section 1181(d)(4) of this title does not contain subpars.
- 2 So in original. Section 1181(b)(2) of this title does not refer to a 30-day period.
- 3 So in original. Probably should be “1181(g)(1)(C)”.
Legislative history
Reconstructed from this section’s Code source credit and amendment notes, resolved against the local Statutes at Large. Editorial notes are evidence, not the law that made the change.
Employee Retirement Income Security Act of 1974
Pub. L. 93–406 title I § 731 · 88 Stat. 829
Enacted · 29 U.S.C. § 1191
Pub. L. 93–406, title I, § 731, formerly § 704, as added Pub. L. 104–191, title I, § 101(a), Aug. 21, 1996, 110 Stat. 1946
Source evidence
Code source credit
Pub. L. 93–406, title I, § 731, formerly § 704, as added Pub. L. 104–191, title I, § 101(a), Aug. 21, 1996, 110 Stat. 1946Newborns’ and Mothers’ Health Protection Act of 1996
Pub. L. 104–204 § 603(b)(1) · 110 Stat. 2874
Substituted · 29 U.S.C. § 1191(c)
Pub. L. 104–204, § 603(b)(1), substituted “Except as provided in section 1185 of this title, nothing” for “Nothing”
Source evidence
Code amendment note
Subsec. (c). Pub. L. 104–204, § 603(b)(1), substituted “Except as provided in section 1185 of this title, nothing” for “Nothing”.Enacted provision · exact public law section
(1) Section 731(c) of such Act (as added by section 101 of the Health Insurance Portability and Accountability Act of 1996 and redesignated by the preceding provisions of this section) is amended by striking “Nothing” and inserting “Except 29 USC 1191. as provided in section 711, nothing”.Effective date note
Amendment by Pub. L. 104–204 applicable with respect to group health plans for plan years beginning on and after Jan. 1, 1998, see section 603(c) of Pub. L. 104–204, set out as a note under section 1003 of this title.
1 of 2 references resolved to an enrolled provision · 1 partial
Editorial Notes
Amendments
1996—Subsec. (c). Pub. L. 104–204, § 603(b)(1), substituted “Except as provided in section 1185 of this title, nothing” for “Nothing”.
Statutory Notes and Related Subsidiaries
Effective Date of 1996 Amendment
Amendment by Pub. L. 104–204 applicable with respect to group health plans for plan years beginning on and after , see section 603(c) of Pub. L. 104–204, set out as a note under section 1003 of this title.
Effective Date
Section applicable with respect to group health plans for plan years beginning after , except as otherwise provided, see section 101(g) of Pub. L. 104–191, set out as a note under section 1181 of this title.
Credits
1996 · 2 acts
- 1996Pub. L. 93–406, title I, § 731, formerly § 704, as added Pub. L. 104–191, title I, § 101(a), , 110 Stat. 1946
- 1996renumbered § 731 and amended Pub. L. 104–204, title VI, § 603(a)(3), (b)(1), , 110 Stat. 2935, 2937.
Show as published
(Pub. L. 93–406, title I, § 731, formerly § 704, as added Pub. L. 104–191, title I, § 101(a), , 110 Stat. 1946; renumbered § 731 and amended Pub. L. 104–204, title VI, § 603(a)(3), (b)(1), , 110 Stat. 2935, 2937.)