Health Marketplace for All Act of 2025 | ChamberLight
Bills · S 2086
IN COMMITTEE· 119TH CONGRESS
Senate BillS 2086Health
Health Marketplace for All Act of 2025
INTRO JUN 17· LAST ACTION JUN 17
READING
8MIN
COSPONSORS
1
READER REACTIONS0 TOTAL
NO VOTES YET · BE THE FIRST
Introduced only
LEGISLATIVE PROGRESS
STEP 2 / 8
Introduced
In Committee
Reported
Passed Senate
Passed House
Conference
To President
Became Law
WHAT THE BILL DOES
AI-written
Voters should care about this bill because it aims to change how people can get health insurance, potentially making more options available beyond traditional employer plans or the individual market. If it becomes law, it could allow individuals and small businesses to pool together, possibly leading to more diverse and potentially more affordable health plan choices, including those focused solely on prescription drugs.
Currently, many people struggle to find affordable or suitable health insurance. This bill could create a new avenue for coverage, offering flexibility in plan design and potentially different pricing structures by allowing more entities to operate like large employers. If it doesn't pass, the current structure of health insurance offerings under federal law would remain, limiting this specific avenue for groups to form collective bargaining power for health plans.
KEY PROVISIONS
5AI-extracted
PROVISION 01
Amends ERISA to allow "health marketplace pools" to be considered an "employer."
This is the core change, allowing these new entities to offer group health plans under federal law, which was previously restricted.
PROVISION 02
Establishes requirements for these pools, including being formed in good faith for risk pooling and not discriminating based on health status for membership.
These requirements are crucial for ensuring the pools are legitimate and do not exclude individuals based on their health.
PROVISION 03
Permits health marketplace pools to offer group health plans, including those where prescription or nonprescription drug coverage is the *only* benefit offered.
This allows for highly specialized plans, which could address a specific need for individuals seeking only drug coverage.
PROVISION 04
Allows these pools to offer coverage either by contracting with a health insurance company or through self-insurance.
This gives pools flexibility in how they provide coverage, potentially impacting cost and risk management.
PROVISION 05
Defines eligibility for membership in a health marketplace pool to include individuals, employees of members, and their dependents.
This outlines who can benefit from these new insurance options, expanding access beyond traditional employment models.
Voters should care about this bill because it aims to change how people can get health insurance, potentially making more options available beyond traditional employer plans or the individual market. If it becomes law, it could allow individuals and small businesses to pool together, possibly leading to more diverse and potentially more affordable health plan choices, including those focused solely on prescription drugs.
Currently, many people struggle to find affordable or suitable health insurance. This bill could create a new avenue for coverage, offering flexibility in plan design and potentially different pricing structures by allowing more entities to operate like large employers. If it doesn't pass, the current structure of health insurance offerings under federal law would remain, limiting this specific avenue for groups to form collective bargaining power for health plans.
KEY PROVISIONS
AI-extracted
high
Amends ERISA to allow "health marketplace pools" to be considered an "employer."
This is the core change, allowing these new entities to offer group health plans under federal law, which was previously restricted.
high
Establishes requirements for these pools, including being formed in good faith for risk pooling and not discriminating based on health status for membership.
These requirements are crucial for ensuring the pools are legitimate and do not exclude individuals based on their health.
med
Permits health marketplace pools to offer group health plans, including those where prescription or nonprescription drug coverage is the *only* benefit offered.
This allows for highly specialized plans, which could address a specific need for individuals seeking only drug coverage.
med
Allows these pools to offer coverage either by contracting with a health insurance company or through self-insurance.
This gives pools flexibility in how they provide coverage, potentially impacting cost and risk management.
med
Defines eligibility for membership in a health marketplace pool to include individuals, employees of members, and their dependents.
This outlines who can benefit from these new insurance options, expanding access beyond traditional employment models.
GLOSSARY
AI-written
Employee Retirement Income Security Act of 1974 (ERISA)
A federal law that sets standards for most voluntarily established retirement and health plans in private industry to provide protection for individuals in these plans.
Health Marketplace Pool
A new type of organization, proposed by this bill, that groups together individuals or employers to offer group health plans or insurance, acting like a single large employer under federal law.
Group Health Plan
A health plan that offers medical benefits to employees and their dependents through an employer or employee organization, as opposed to individuals buying plans on their own.
Group Health Insurance Coverage
Health insurance provided to a group of people, typically employees of a company, through a single contract, rather than individuals purchasing separate policies.
Health Insurance Issuer
A company that offers health insurance policies or plans.
Self-Insurance
When an employer or group pays for employee health costs directly from its own funds, rather than buying a traditional insurance policy from an insurance company.
Health status-related factor
ACTION TIMELINE
2 EVENTS
JUN 17, 25
Introduced in Senate
INTROREFERRAL
JUN 17, 25
Read twice and referred to the Committee on Health, Education, Labor, and Pensions.
Any information related to a person's physical or mental condition, medical history, claims experience, or disability that might be used to discriminate in health insurance coverage or pricing.
