Health Marketplace for All Act of 2025

Key Points

• This bill creates a new type of organization called a "health marketplace pool" that lets individuals, small businesses, and other groups band together to buy health insurance as if they were one large employer. By pooling their buying power, smaller groups could access the same kinds of group rates and plan options that big companies typically get.
• Pools cannot turn anyone away or charge more based on health conditions. Membership cannot be conditioned on any health-related factor, and the same coverage must be offered to all members of a pool.
• Unlike typical employer-based insurance, these pools can offer plans that cover only prescription and over-the-counter drugs as their sole benefit. This is a unique feature not normally allowed under federal health plan rules and could offer a low-cost option for people who mainly need drug coverage.
• Joining a pool does not make the pool your legal employer for taxes, labor law, or any other purpose besides health coverage. This protects both the pool organizers and the members from unintended legal consequences.
• The bill was introduced by Sen. Rand Paul and referred to the Senate Committee on Health, Education, Labor, and Pensions. It amends the Employee Retirement Income Security Act of 1974 (ERISA), which is the main federal law governing employer-sponsored health plans.

Votes

No votes have been recorded for this legislation yet.