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"ERISA applies to group plans with 20 or more participants. I don't know how many employees AngelMay's former employer had on the payroll, but if she has cross-country portability in retirement it's likely covered by ERISA.


I don't think that's completely true, intercst. ERISA applies to self-funded group plans. Many plans here in Virginia have way more than 20 employees but are not self - funded and not regulated by ERISA.

I don't feel like looking it up, but this was the very first blurb I saw on the topic:

"Main Points
The Employee Retirement Income Security Act of 1974 (ERISA) is a federal law that gives states the right to regulate insurance but exempts self-insured (or self-funded) health plans (any employee benefit plans) from state laws...."

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