The federal Employee Retirement Income Security Act, or ERISA, preempts a significant amount of state regulation for private health insurance, creating a regulatory gap that ERISA itself doesn’t really fill. However, passed in 2010, the federal Affordable Care Act, or ACA, helps fill that gap by regulating numerous aspects of private health insurance. Although most of the ACA’s reforms don’t apply to self-insured healthcare plans, the ACA still impacts the landscape of private health...