Proposed Changes to Small Employer Health Insurance Regulations
March 13, 2026
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Finance Connection
| Candidate | Donor | Amount | Industry | Date |
|---|---|---|---|---|
| Ileana Garcia | FLORIDA REPUBLICAN SENATORIAL CAMPAIGN COMMITTEE INC | $50,000 | PARTY COMMITTEE | Nov 2025 |
| Maria Virginia Garcia | Maria Virginia Garcia | $10,000 | Physical<br>Therapist | Jan 2025 |
| Santos Garcia for Madera Mayor 2020 | Span Development, LLC | $10,000 | - | Nov 2020 |
| Santos Garcia for Madera Mayor 2020 | DISTRICT COUNCIL OF IRON WORKERS POLITICAL ACTION LEAGUE | $8,000 | - | Oct 2020 |
| Peter Garcia for City Council 2024 | Pedro Munoz Tandazo | $5,500 | Landscaper | Nov 2023 |
| Peter Garcia for City Council 2024 | San Bernardino County Republican Party | $5,500 | - | Nov 2023 |
| Peter Garcia for City Council 2024 | Pedro Munoz Tandazo | $5,500 | Landscaper | Nov 2023 |
| Peter Garcia for City Council 2024 | San Bernardino County Republican Party | $5,500 | - | Nov 2023 |
| Santos Garcia for Madera Mayor 2024 | Span Construction | $5,500 | - | Sep 2024 |
| Santos Garcia for Madera Mayor 2020 | Santos Garcia | $5,000 | Union Organizer | Jun 2024 |
| Santos Garcia for Madera Mayor 2020 | DMP Development Corporation, Inc | $5,000 | - | Sep 2020 |
| Peter Garcia for City Council 2024 | Hamed Monshizadeh | $5,000 | Retired | Nov 2023 |
| Peter Garcia for City Council 2024 | Hamed Monshizadeh | $5,000 | Retired | Nov 2023 |
| Santos Garcia for Madera Mayor 2024 | Valley Land Development LLC | $5,000 | - | Sep 2024 |
| Peter Garcia for City Council 2024 | Hamed Monshizadeh | $4,800 | Retired | Dec 2022 |
| Peter Garcia for City Council 2024 | Mohammad Monshizadeh | $4,800 | Vice President | Dec 2022 |
| Santos Garcia for Madera Mayor 2020 | IUPAT Political Action Together Legislative Education Committee | $4,700 | - | Oct 2020 |
| Garcia for City Council 2020 | Safari Highlands Ranch, LLC | $4,300 | - | Jun 2020 |
| Garcia for City Council 2020 | Escondido Police Assn PAC | $4,300 | - | Sep 2020 |
| Garcia for City Council 2020 | Western Manufactured Housing Communities Assn PAC | $4,300 | - | Sep 2020 |
Reported financial relationships and timing signals. This does not prove motive or influence. Readers draw their own conclusions.
The Frame
The bill dictates how insurance carriers are assessed for program losses and sets the rules for how small businesses and their employees access and verify health insurance coverage, directly impacting the operational costs for insurers and the information provided to policyholders.
Potentially affected actors named in the source documents. Mention is not a position.
Small employer carriers
These entities are subject to assessments, reporting requirements, and must comply with new market conduct standards.
Small employers
Their health benefit plans and stop-loss insurance policies are subject to the regulatory framework defined in the bill.
Health insurance agents
Agents are subject to reporting requirements and marketing standards established by the program board.
Last recorded activity March 13, 2026.
Introduced.
Summary
Key Facts
You don't have to trust us. Each fact below is taken straight from the official document - click any one to see the exact passage, highlighted in the original.
Frequently Asked Questions
Who serves on the board of the reinsurance program?
How are program losses funded?
What information must be on my health insurance card?
Why It Matters
The bill dictates how insurance carriers are assessed for program losses and sets the rules for how small businesses and their employees access and verify health insurance coverage, directly impacting the operational costs for insurers and the information provided to policyholders.
News Coverage
Lobbying Activity
AARP
2026
“P.L. 119-21, One Big Beautiful Bill Act H.R. 8867, Planning for Long-term Aging Needs (PLAN) Act H.R. 5861, Legacy Act of 2025 H.R. 9393, the Lower Costs, More Transparency Act. H.R. 9396, the Prior Authorization Accountability Act. S. 4916, the Aging with Artificial Intelligence Act. H.R. 8100, Safe Staffing Saves Lives Act. S. 3886, Nurses Belong in Nursing Homes Act. H.R. 6766/S. 3492, the Essential Caregivers Act of 2025. H.R. 7966/S. 4118, Hospice Care Accountability, Reform, and Enforcement (Hospice CARE) Act. S. 2120, the Older Americans Act Reauthorization Act of 2025 H.R. 5575, the Firefighters Assisting Seniors to Emergency Response (FASTER) Act of 2025. H.R. 3954/S. 4641, Improving Access to Medicare Coverage Act. H.R.5554/S.2831, Stand Strong for Medicare Act. S. 3439/H.R. 6735, Connecting Caregivers to Medicare Act and efforts related to the bill S. 1227/H.R. 2491, Alleviating Barriers for Caregivers Act S. 668/H.R. 3183, Supporting Access to Falls Education and Prevention and Strengthening Training Efforts and Promoting Safety Initiatives (SAFE STEPS) for Veterans Act of 2025 CMS-1851-P, Hospice Proposed rule. CMS-1843-P, Skilled Nursing Facility Proposed rule. CMS-1844-P, Home Health Proposed rule. No bill number. Health care transparency. No bill number. Discussed use of artificial intelligence and health data technology. No bill number. Discussed health-related policies and activities around the fall respiratory virus season. No bill number. Discussed health insurance affordability proposals. No bill number. Discussed Nursing Home staffing standards, safety, and quality. No bill number. Discussed Nursing home transparency and ownership requirements. No bill number. Discussed home health, hospice, and long-term care. No bill number. Discussed falls prevention. No bill number. Discussed social isolation. No bill number. Discussed HUD Assisted Living Requirements No bill number. Discussed family caregiving. No bill number. Discussed AARP paper on Medicare Caregiver Training Services. No bill number. Discussed Medicaid community engagement interim final rule, including the family caregiver exemption. No bill number. Discussed the paid direct care workforce in long-term care. No bill number. Discussed the unaffordability of long-term care. No bill number. Discussed Money Follows the Person Rebalancing Demonstration Program and Medicaid HCBS spousal impoverishment protections. No bill number. Discussed Medicaid fraud and family caregivers, Medicaid self-direction programs. No bill number. Discussed sandwich generation family caregiver hearing and submitted a statement for the record discussing family caregivers and sandwich generation caregivers, programs that support them, AARP caregiving resources, and federal policies to support sandwich generation caregivers and caregivers more broadly. No bill number. Discussed long-term care. No bill number. CMS-2453-NC; Medicaid Program; 2028 Medicaid Home and Community-Based Services Quality Measure Set Submitted comments No bill number. Discussed expanding access to home care. No bill number. Discussed the increasing cost of home care No bill number. Discussed HSA use for telehealth chronic care management services/subscriptions. No bill number. Discussed artificial intelligence and technology”
TRINET GROUP INC.
TRINET GROUP INC.
TRINET GROUP INC.
Sponsors
Discoveries
Patterns POLISCOPE noticed across the record. These are observations to investigate, not conclusions.
Consolidation of Oversight
The bill centralizes the control of individual and small employer reinsurance programs under a single board.
Connected Entities
Sources
openstates.org
Analysis Score
0–100- Significance65How much this matters to a regular citizen
- Controversy40Intensity of disagreement among stakeholders
- Entertainment5Compellingness for a non-policy-wonk reader
- Buzz20Current news / social attention level
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