A little-known law called ERISA bars millions of patients from suing for damages when health insurers wrongly deny claims.
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The pilot, launched in January 2026 in 6 states, could reduce wasteful spending, but increases provider paperwork and risks patient access to necessary care.
The murder of a health care insurance executive has brought scrutiny to the ways that insurance companies can make it difficult for insured patients to get the care they need.


