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How health insurers get a free pass to deny coverage from a 52-year-old law meant to protect worker pensions

  • Florence Corcoran, eight months pregnant with a high-risk pregnancy, was advised to spend her last month in the hospital on bed rest but was denied coverage by her insurer.
  • The Employee Retirement and Income Security Act of 1974 restricts patients from recovering money or suing when insurers wrongfully deny coverage.
  • ERISA limits patients' legal options against health insurers, allowing insurers to deny coverage without facing severe consequences.
  • From 2016 to 2023, health insurance claim denials increased from 9% to 12%, affecting ERISA-governed plans specifically.
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The ConversationThe Conversation
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How health insurers get a free pass to deny coverage from a 52-year-old law meant to protect worker pensions

Hurdles in accessing health insurance are major drivers of health and economic inequities. veeranggull orachon/iStock via Getty Images PlusFlorence Corcoran, an employee of South Central Bell Telephone Company, was eight months into a high-risk pregnancy when her obstetrician recommended she spend the final month on bed rest in the hospital, for close monitoring. Despite the recommendation, her health insurer determined that it would only cover …

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  • 39% of the sources are Center, 38% of the sources lean Right
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The Conversation broke the news on Thursday, July 2, 2026.
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