[quote]
My D works for a NJ company at their headquarters in NJ. She found out that her company sneakily registered and bought insurance in NY so they are not covered somethings that NJ mandates. In addition, some companies use Aetna but only to administer their self-insured policies. This will also skirt NJ mandates.[\quote]
Are you sure about this? I thought if an employee lives and works in a state, the laws of that state trump. To provide insurance to workers who live and work in a state, the insurance company has to be licenced in that state which means they have to abide by that state’s laws. That’s why there’s that whole discussion about selling across state lines, which now is illegal. We must be missing some of the story.