Based on your responses, the following health laws under Title I of ERISA do not appear to apply to your employer sponsored group health plan for the listed reason(s).

• The Consolidated Omnibus Budget Reconciliation Act of 1986 (COBRA)

• You indicated that you did not employ 20 or more employees in the previous calendar year.

COBRA applies to single-employer group health plans maintained by employers with at least 20 employees on more that 50 percent of its typical business days in the previous calendar year. Both full and part-time employees are counted to determine whether a plan is subject to COBRA. Each part-time employee counts as a fraction of a full-time employee, with the fraction equal to the numbers of hours that the part-time employee worked divided by the hours an employee must work to be considered full-time.

Your State may elect to regulate small groups or individual health arrangements. For more information visit the National Association of Insurance Commissioners (NAIC) website.

• The Mental Health Parity Act of 1996 (MHPA) and Mental Health Parity and Addiction Equity Act (MHPAEA)

• You indicated that you do not employ more than 50 employees.

MHPA requires that an employer have more than 50 employees on business days during the preceding calendar year and employ at least 2 employees on the first day of the plan year. However, your state (NAIC) may elect to regulate small groups or individual health arrangements

• The Women's Health and Cancer Rights Act of 1998 (WHCRA)

• You indicated that your plan does not offer benefits with respect to a mastectomy.