McCarran–Ferguson Act - ADA Legislative Action Center
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McCarran–Ferguson Act

What is the McCarran–Ferguson Act?

The McCarran-Ferguson Act is a 1948 law that exempts insurance companies, including health insurance companies, from some of the antitrust laws. The ADA believes these exemptions have resulted in a general absence of scrutiny of insurance companies by the federal government.

How Does it Affect Your Practice?

H.R. 2422 will allow organizations to qualify for oral health grants to support activities that improve oral health education and dental disease prevention and develop and expand outreach programs that facilitate establishing dental homes for children and adults, including the elderly, blind and disabled.

What Can You Do About it?

The ADA worked closely to support H.R. 372, the “Competitive Health Insurance Reform Act” which would authorize the Federal Trade Commission and the Justice Department to enforce all of the federal antitrust laws against health insurance companies engaged in anticompetitive conduct. Through direct lobbying efforts, communications with Members of the House of Representatives, and with the advocacy activities of our ADA member dentists, H.R. 372 passed the House by an overwhelmingly majority vote of 416-7.


The ADA is now focused on a legislative campaign in the Senate and expects to have an identical Senate bill dropped soon.

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