Better coverage? What a joke. In the US, self insurance is a way for corporations to avoid state and local laws regarding health care through the use of ERISA.

Better coverage? What a joke. In the US, self insurance is a way for corporations to avoid state and local laws regarding health care through the use of ERISA. For example, if your state mandates that health insurance plans must cover a minimum set of infertility treatments, ERISA, when invoked through your employer's new self-insured plan, let's call it PlanX, overrides the state mandate and allows PlanX to decline coverage for those same infertility treatments. Yes, I have experienced this first hand.