A Republican bill with 2 Democratic cosponsors · See all 32 cosponsors
Last activity — Placed on the Union Calendar, Calendar No. 357.
Cleared committee, waiting for its first floor vote
A committee approved it and it is on the calendar of the chamber it started in.
This is further than most bills get, and still no promise of a vote: the calendar is a queue, and the majority leadership decides what is called. A bill can sit here until the Congress ends.
Its path through Congress
- Introduced
- On Calendar
What this bill would do
The Association Health Plans Act amends the Employee Retirement Income Security Act of 1974 to clarify how certain groups or associations of employers are treated as employers for the purpose of sponsoring group health plans. It allows these associations to form regardless of whether the members are in the same industry, trade, or profession. The bill also defines how self-employed individuals can be treated as employers and employees within these plans. It establishes rules for premium rates and prohibits discrimination based on health status or pre-existing conditions. Additionally, it clarifies that providing this coverage does not create an employer or joint employer relationship under law.
Yes· 3 of 10
- Scored +3
Would business owners be better off under this?
The bill helps business owners by making healthcare more accessible and affordable.
- Scored +3
Would farmers be better off under this?
The bill potentially allows farmers to band together to get healthcare, as they are often self-employed or small business owners.
- Scored +3
Would people in rural areas be better off under this?
Rural residents who are self-employed or small business owners may benefit from association health plans.
The opposite
No question was scored the opposite.
Who it would affect, and how
Potential Positive Impacts for People
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Expanded Access for Diverse Businesses: Groups or associations can sponsor group health plans regardless of whether the member employers are in the same industry, trade, or profession (Section 2(a)).
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Inclusion of Self-Employed Individuals: Self-employed individuals who meet specific ownership and work hour requirements can be treated as employers and employees, allowing them to participate in these group health plans (Section 2(a)(C)).
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Health Status Protections: The bill prohibits plans from using health status-related factors to determine eligibility for enrollment or continued enrollment (Section 3(a)(b)(1)).
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Fair Pricing Protections: Plans are prohibited from charging individuals higher premiums or contributions than similarly situated individuals based on health status-related factors (Section 3(a)(b)(2)).
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Pre-Existing Condition Coverage: The bill prohibits the denial of coverage based on a pre-existing condition (Section 3(a)(b)(3)).
Potential Negative Impacts for People
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Eligibility Monitoring for Self-Employed: Self-employed individuals are subject to periodic monitoring by the association board, and coverage can be removed if the board determines they no longer meet the requirements (Section 2(a)(C)(iii)).
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Risk-Based Premium Adjustments: The bill allows plans to use the specific risk profile of each employer member to adjust contribution rates above or below base premium rates (Section 3(a)(a)(1)(ii)).
Groups and Interests Ranking
Every group the model scored this bill for, from -10 to +10. Tap or hover a score for the reason it gave.
- Demographic And Interest Groups
- Would business owners be better off under this? — The bill helps business owners by making healthcare more accessible and affordable. Would farmers be better off under this? — The bill potentially allows farmers to band together to get healthcare, as they are often self-employed or small business owners. Would people in rural areas be better off under this? — Rural residents who are self-employed or small business owners may benefit from association health plans. Would households on low incomes be better off under this? — May help some low-income individuals access healthcare through association plans. Would middle-income households be better off under this? — May help some middle-class individuals access healthcare through association plans. Would people with disabilities be better off under this? — The bill prohibits discrimination based on health status, which helps people with disabilities.
- Economy And Finance
- Does this make it easier to run a small business? — The bill allows small businesses to band together to get healthcare, which may help them offer better benefits. Does this give people more protection from unfair business practices? — The bill includes some protections against discrimination based on health status.
- Healthcare
- Does this lower what people pay for private health insurance? — Association health plans may lower premiums for some by increasing the risk pool. Does this make health care easier to get in general? — Association health plans may increase healthcare access for some small business employees and self-employed individuals.
- 12/15/2025
- Reported (Amended) by the Committee on Education and Workforce. H. Rept. 119-409.
- Placed on the Union Calendar, Calendar No. 357.
- 12/12/2025
- 1 Cosponsor added.
- 12/4/2025
- 1 Cosponsor added.
- 12/3/2025
- 1 Cosponsor added.
- 11/20/2025
- 1 Cosponsor added.
- 11/7/2025
- 2 Cosponsors added.
- 8/15/2025
- 1 Cosponsor added.
- 7/25/2025
- 1 Cosponsor added.
- 7/16/2025
- 1 Cosponsor added.
- 7/2/2025
- 1 Cosponsor added.
- 6/25/2025
- Committee Consideration and Mark-up Session Held
- Ordered to be Reported (Amended) by the Yeas and Nays: 21 - 15.
- 5 Cosponsors added.
- 6/5/2025
- 3 Cosponsors added.
- 5/29/2025
- 1 Cosponsor added.
- 4/30/2025
- 1 Cosponsor added.
- 4/24/2025
- 1 Cosponsor added.
- 4/21/2025
- 1 Cosponsor added.
- 4/3/2025
- 2 Cosponsors added.
- 4/1/2025
- Referred to the House Committee on Education and Workforce.
- 8 Cosponsors added.
- Introduced in House
One bill Congress.gov lists as related to this one — companions in the other chamber, earlier versions, and bills this one absorbed or was folded into.
Rick AllenRepublican · Georgia
Sanford BishopDemocrat · Georgia
Stephanie BiceRepublican · Oklahoma
Andy BarrRepublican · Kentucky
Andy BiggsRepublican · Arizona
Ken CalvertRepublican · California
Henry CuellarDemocrat · Texas
Dan CrenshawRepublican · Texas
Juan CiscomaniRepublican · Arizona
Neal DunnRepublican · Florida
Michelle FischbachRepublican · Minnesota
Scott FitzgeraldRepublican · Wisconsin
Paul GosarRepublican · Arizona
Glenn GrothmanRepublican · Wisconsin
Craig GoldmanRepublican · Texas
Bill HuizengaRepublican · Michigan
J. HillRepublican · Arkansas
Wesley HuntRepublican · Texas
Abraham HamadehRepublican · Arizona
Mark HarrisRepublican · North Carolina
Kevin KileyIndependent · California
Daniel MeuserRepublican · Pennsylvania
Ryan MackenzieRepublican · Pennsylvania
Mark MessmerRepublican · Indiana
Burgess OwensRepublican · Utah
Robert OnderRepublican · Missouri
Christopher SmithRepublican · New Jersey
Adrian SmithRepublican · Nebraska
David SchweikertRepublican · Arizona
Glenn ThompsonRepublican · Pennsylvania
Jefferson Van DrewRepublican · New Jersey
Randy WeberRepublican · Texas