NAIC guide navigates shifting ERISA preemption battle over state PBM rules

By Allison Bell

News April 08, 2026 at 12:17 PM

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What You Need To Know

ERISA is supposed to keep states from regulating employee benefit plans.
One Supreme Court ruling, Rutledge, suggests that states can regulate vendors that happen to sell services to employer plans.
Other, newer federal court rulings appear to limit the impact of the Rutledge ruling.

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