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Employee health plans are generally covered under the federal jurisdiction of the Employee Retirement Income Security Act (ERISA).
Federal ERISA plans generally do not have to comply with state laws. ERISA rules preempt or block state laws that relate to ERISA plans. State insurance laws, however, do apply. New York law includes the following provisions:
State contacts
New York Department of Insurance
State regulations
Article 32 Insurance Contracts - Life, Accident and Health, Annuities
§3221 Group or blanket accident and health insurance policies; standard provisions
§3224 Standard claim forms; accident and health insurance
§3225 Eligibility for health insurance in cases of exposure to DES
§3237 Health insurance coverage for full-time students on medical leaves of absence
Article 42 Life Insurance Companies and Accident and Health Insurance Companies and Legal Services Insurance Companies
§4235 Group accident and health insurance
Article 43 Non-Profit Medical and Dental Indemnity, or Health and Hospital Service Corporations
§4305 Group contracts
§4326 for information regarding Health Savings Account (HSAs)
§4805 Access to end of life care
Contact
Employee Benefits Security Administration (EBSA)
Regulations
29 CFR chapter XXV (Parts 2509 – 2590)