Published 2 days ago • loading... • Updated 2 days ago
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.