IDA Act of 2026

This legislation proposes to amend the Employee Retirement Income Security Act of 1974 (ERISA) to significantly alter the scope of federal preemption. Its core purpose is to exempt specific state laws concerning dental benefits from being overridden by ERISA. Under this bill, a new provision would be added to ERISA Section 514(b), stating that ERISA's general preemption clause will not apply to any state law related to dental benefits, including those governing their administration. This exemption is conditional, requiring that the state laws do not conflict with other provisions of ERISA Titles I and IV. This legislative change aims to grant states more authority to regulate dental benefit plans and their administration without federal interference. The amendment is designed to take effect 18 months after its enactment , providing a transition period for compliance.