text: Cloture is a parliamentary procedure by which debate is ended and an immediate vote is taken on the matter under discussion.\n\nIf HIMMA is enacted, it would allow insurers to offer health plans that are exempt from state consumer protection laws, including mental health parity, psychology “freedom of choice,” mental health benefit mandates and mandated offering laws. \n\nWithout these state requirements insurers would be able to offer “barebones plans.” The only condition is that they also offer employers an alternative plan based on the state employee benefits in one of the five most populous states, which could also be “barebones.” As a result, the benefits in the alternative plan may still be inadequate.