AHIP Exam AHM-250 Topic 1 Question 111 Discussion

Actual exam question for AHIP's AHM-250 exam

Question #: 111
Topic #: 1

One feature of the Employee Retirement Income Security Act (ERISA) is that it:

ARequires self-funded employee benefit plans to pay premium taxes at the state level.

BContains a pre-emption provision, which typically makes the terms of ERISA take precedence over any state laws that regulate employee welfare benefit plans.

CContains strict reporting and disclosure requirements for all employee benefit plans except health plans.

DRequires that state insurance laws apply to all employee benefit plans except insured plans.

Show Suggested Answer

Suggested Answer: B

by Corazon at Apr 30, 2025, 03:32 PM

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Micaela

16 days ago

B is the clear winner here. ERISA was meant to standardize things at the federal level.

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Shaquana

4 days ago

I agree, B is definitely the correct answer. ERISA does take precedence over state laws.

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Phil

18 days ago

I see your point, Maryanne, but I still think B is the best answer because ERISA does prioritize federal law over state law.

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Maryanne

1 months ago

But what about option D? State insurance laws applying to all plans except insured plans makes sense too.

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James

1 months ago

Haha, I bet the insurance companies hate that pre-emption clause! B is the way to go.

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Mattie

9 days ago

Definitely, it gives ERISA a lot of power over state laws.

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Kina

12 days ago

I agree, the pre-emption provision in ERISA is a game-changer.

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Devora

1 months ago

I think B is the correct answer. ERISA was designed to create a consistent set of federal regulations for employee benefit plans.

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Margery

15 days ago

That's right, ERISA is meant to ensure consistency in regulations for employee benefit plans.

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Viola

17 days ago

I agree, B is the correct answer. ERISA does have a pre-emption provision.

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Lilli

1 months ago

I agree with Whitney, ERISA does have a pre-emption provision.

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Whitney

1 months ago

I think the answer is B.

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Alpha

1 months ago

B sounds like the right answer to me. ERISA definitely has a pre-emption clause that makes it take priority over state laws.

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Milly

18 hours ago

I agree, B is the correct answer. ERISA does have a pre-emption provision.

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