Hot Report: OLR Backgrounder: State-Mandated Health Insurance Benefits

OLR Report 2012-R-0446 lists and briefly describes Connecticut’s mandated health insurance benefits. It updates an earlier report (2011-R-0504) by incorporating revisions enacted in 2012. (See OLR Report 2008-R-0138 for a list of health care providers and facilities whose services health insurance policies must cover under Connecticut law.)

Each benefit mandate statute identifies the specific plans to which the mandate applies. Many of the mandates apply to both individual and group health insurance plans, including those insured plans issued to small employer groups. However, due to the federal Employee Retirement Income Security Act (ERISA), state benefit mandates generally do not apply to self-funded plans.  For more information about this ERISA preemption, see OLR Report 2005-R-0753.