A Republican bill with 1 Republican cosponsor · See the cosponsor
Last activity — Read twice and referred to the Committee on Health, Education, Labor, and Pensions.
In committee
Introduced and handed to a committee in the chamber it started in.
The committee holds it, and most bills are never heard from again. A hearing or a committee vote would be news; silence is the usual outcome, and it kills the bill without anyone voting against it.
Its path through Congress
- Introduced
- In Committee
What this bill would do
This bill, titled the "Health Marketplace for All Act of 2025," seeks to amend the Employee Retirement Income Security Act of 1974. It aims to allow health marketplace pools to be treated as an "employer" for the purpose of offering group health plans or group health insurance coverage. These pools must meet specific requirements regarding their organization and the way they offer coverage to members. The bill allows for the coverage of prescription or nonprescription drugs as a standalone benefit. It also establishes rules for how members and their dependents can enroll in these plans.
Yes· 3 of 5
- Scored +7
Does this make health care easier to get in general?
By treating marketplace pools as employers, the bill expands options for group health coverage and drug-only benefits.
- Scored +5
Would middle-income households be better off under this?
The expansion of group coverage options provides more flexibility for household health plans.
- Scored +5
Would people with disabilities be better off under this?
The bill prohibits conditioning membership on health status-related factors, providing protections for those with pre-existing conditions.
The opposite
No question was scored the opposite.
Who it would affect, and how
Potential Positive Impacts for People
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Access to Group Coverage through Marketplace Pools: The bill allows entities meeting certain requirements to be deemed an employer, which enables them to offer group health plans or group insurance coverage to their members. (Section 2(a) and Section 736(a))
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Protection Against Health-Based Membership Denial: Marketplace pools are prohibited from conditioning membership on any health status-related factor, including an individual's health status or that of an employee or dependent. (Section 736(b)(1)(B))
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Flexible Drug Coverage Options: The legislation allows for health marketplace pools to offer drug coverage, including over-the-counter drugs, either alongside other benefits or as the only benefit offered by the plan or coverage. (Section 736(b)(5))
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Coverage for Dependents: The bill allows group health plans or group health insurance coverage offered by the pool to be made available to dependents of members or employees of member entities. (Section 736(b)(2)(A)(ii))
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Consistent Enrollment Rules: Rules of enrollment and reenrollment established by the pool must be applied consistently to all members and cannot be based on health status-related factors. (Section 736(b)(6)(C))
Potential Negative Impacts for People
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Potential for Coverage Limitations: The bill notes that a health insurance issuer or group health plan is not required to provide coverage outside of a specific service area and may still be able to undergo underwriting or exclude/limit coverage on an individual, subject to certain sections. (Section 736(b)(2)(B)(ii))
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Variable Rates: The bill allows for rates established by the health marketplace pool or a contracting health insurance issuer to vary for individuals covered through the pool. (Section 736(b)(2)(A)(i))
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 middle-income households be better off under this? — The expansion of group coverage options provides more flexibility for household health plans. Would people with disabilities be better off under this? — The bill prohibits conditioning membership on health status-related factors, providing protections for those with pre-existing conditions. Would households on low incomes be better off under this? — The bill may improve access to essential drug coverage through flexible marketplace pools.
- Healthcare
- Does this make health care easier to get in general? — By treating marketplace pools as employers, the bill expands options for group health coverage and drug-only benefits. Does this lower the price of prescription medicines? — The bill allows for drug coverage, including over-the-counter drugs, to be offered as a standalone benefit which may increase access and choice.
- 12/9/2025
- 1 Cosponsor added.
- 6/17/2025
- Read twice and referred to the Committee on Health, Education, Labor, and Pensions.
- Introduced in Senate
3 bills Congress.gov lists as related to this one — companions in the other chamber, earlier versions, and bills this one absorbed or was folded into.
Cynthia LummisRepublican · Wyoming