Where to Go for Help
Where to go for help when you have a problem with your private health insurance
When to go to your state regulators for help
Most states are responsible for enforcing Affordable Care Act (ACA) standards that apply to fully insured health plans, including those sold to individuals and small employers. The exception to this is in states that fail to enforce the ACA standards and the U.S. Department of Health and Human Services is responsible for enforcement. See the table below for contact information for state departments of insurance.
When to go to federal regulators
A federal law known as ERISA governs employer-sponsored coverage, whether fully insured or self-insured, and enforcement of these rules is carried out by the U. S. Department of Labor (DOL). You can contact the DOL’s Employee Benefits Security Administration (EBSA) at http://www.dol.gov/ebsa/contactEBSA/consumerassistance.html.
To find an EBSA contact for your state, see https://www.dol.gov/agencies/ebsa/about-ebsa/about-us/regional-offices.
State Department of Insurance websites