The private group plans (or fully insured plans) that employers purchase from insurance carriers as a benefit for employees are overseen by the insurance commission or department of insurance in each state. You can find your state’s insurance department in the blue pages of your local phone book, or contact the National Association of Insurance Commissioners (see “To learn more” for contact information).
Self-funded plans (or self-insured plans) are health plans that employers or unions create rather than purchase. They are run by the US Department of Labor’s Employee Benefits Security Administration. You may have to ask your employer if their health plan is fully insured or self-insured.
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