Health Marketplace for All Act of 2025

This bill lets “health marketplace pools” act like an employer so they can offer group health coverage to their members. A pool can be set up to combine people and small groups to buy coverage together, and it can’t limit who can join based on someone’s health. Members or their employers can enroll, and dependents can be included. Pools can either buy insurance from an insurer or self-insure, and they may handle admin tasks like billing and enrollment. The bill also says joining a pool does not make anyone a joint employer or a plan fiduciary just because they participate. Pools can offer regular health plans or even drug-only coverage, including over-the-counter medicines. Everyone in the pool must be offered the same coverage options, though prices can vary within certain protections already in law .

Key points

• Who is affected: People and employers that join a health marketplace pool; dependents can be covered too .
• What changes: Pools are treated like an employer for offering group health coverage, can self-insure or buy insurance, can provide admin services, and must offer the same coverage options to all members .
• What can be offered: Group health plans or group insurance, including the option to offer drug-only plans with prescription or over-the-counter drugs .
• Protections: No membership rules based on health status; participating does not create a broader employer or joint-employer relationship, and simply being in the pool doesn’t make someone a fiduciary .