The U.S. employee benefits business of ING Groep N.V. is responding to the new federal health system laws by offering unlimited annual and lifetime maximum health plan stop-loss insurance.

ING Employee Benefits, Minneapolis, part of ING, Amsterdam (NYSE:ING), says employers that offer self-funded health plans can come to it for help with complying the new Affordable Care Act ban on lifetime benefits limits.

ACA is the legislative package that includes the Patient Protection and Affordable Care Act and the Health Care and Education Reconciliation Act.

The Wellesley Hills, Mass., U.S. benefits arm of Sun Life Financial Inc., Toronto (NYSE:SLF), and Independence Holding Company, Stamford, Conn. (NYSE:IHC), also have announced plans to offer stop-loss policies with unlimited maximums.

Employers that self-fund use stop-loss policies to limit the amount of claims risk they assume.