Association Health Plans Act

Key Points

• Congress would let groups of employers count as one “employer” so they can sponsor one shared health plan, even if they’re in different industries.
• The group must meet guardrails, like being around at least 2 years, not being created mainly to sell health coverage, and not being run by an insurance company.
• The plan generally must cover only employees of member employers, but it also lets certain self-employed people join if they work at least 10 hours a week and have no employees.
• Plans could set a base premium for the whole group, then adjust what each employer pays based on that employer’s risk profile, if state law allows it.
• The bill says offering coverage through one of these groups should not be used to claim the member businesses are “joint employers” under other laws.