"In New York, employers with 50 or fewer FTEs are prohibited from purchasing stop-loss coverage, without which self-funding is far too risky for companies of that size. The state legislature passed a law in 2013 that expands the prohibition, as of Jan. 1, 2016, to companies with up to 100 FTEs. Two bills have been introduced seeking to quash that law.... California, like New York, has already changed its definition of 'small group' to 100 or fewer FTEs and is unlikely to reverse that move.... Other states that have expanded the definition of 'small group,' like Colorado and Virginia, are more likely than California and New York to revert to the lower threshold[.]"