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They propose new restrictions on the sale of these plans. Short-term plans are derided as “junk”. A number of states have moved to restrict short term plans blaming them for the failures of the Affordable Care Act. States, particularly in the Northeast, are seeking new laws to restrict the availability of ERISA plans, especially those made available to small employers. HRAs provide opportunities for employers to allow their employees to choose coverage that works best for them – in many cases for the first time. These choices need protection from efforts to restrict them by policymakers who think government knows best. Some states have sued to eliminate Association Health Plans, another option for some employers. HSAs have been falsely portrayed as merely offering a benefit for the healthy and wealthy. In truth, HSAs lead patients to be better health care consumers, although there is a need for better price and quality transparency. https://images.squarespace-cdn.com/content/v1/5d9b7bc3e3b66f7f77957469/344fcb6c-fed9-46ac-adfd-f2044d381324/poster.png Advocacy - Excepted Benefits (including specified disease, hospital or fixed indemnity, limited scope dental and vision, and other supplemental coverage) Self-funded health insurance and Association Health Plans (with a focus on the small employer market) Short-term health insurance Account-based plans (including HRAs and HSAs) The Health Benefits Institute educates legislators, regulators, consumers, and employers on the value these products bring to the market. 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