The federal Employee Retirement Income Security Act of 1974 (ERISA) supersedes state laws as they relate to employer-based health care plans. Thus, cases brought under ERISA are heard in federal courts.We examined the intent, scope, and impact of recent laws passed in 10 states attempting to expand the legal rights of health plan enrollees to sue their plans. In June 2004, the US Supreme Court ruled that state-law causes of action brought under the Texas Health Care Liability Act involving coverage decisions by Aetna Health Inc and CIGNA Health Care of Texas were preempted by ERISA. The full implications of this decision are not evident at present.
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机译：1974年的《联邦雇员退休收入保障法》（ERISA）取代了与基于雇主的医疗保健计划有关的州法律。因此，在联邦法院审理了根据ERISA提出的案件。我们研究了10个州通过的最新法律的意图，范围和影响，这些州试图扩大健康计划参加者的法律权利以起诉他们的计划。 2004年6月，美国最高法院裁定，根据《德克萨斯州医疗责任法》提起的州法律诉讼因由ERISA抢占，其中涉及Aetna Health Inc和德克萨斯CIGNA Health Care的承保决定。目前尚不清楚该决定的全部含义。
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