To amend the Employee Retirement Income Security Act of 1974 to allow health marketplace pools to be deemed an employer under section 3(5) of such Act for purposes of offering a group health plan or group health insurance coverage, and for other purposes.
About This Bill
Committee
Latest Action · November 12, 2024
Read twice and referred to the Committee on Health, Education, Labor, and Pensions.
The Health Marketplace for All Act of 2024 would allow health marketplace pools—organizations that band together to offer health coverage—to be legally treated as employers under federal law. This change would enable these pools to offer group health insurance plans or self-insured group health plans to their members, including employees of member businesses and their dependents. The pools would not be able to deny membership based on health status, and they could offer various types of coverage including plans that cover only prescription drugs or over-the-counter drugs. Importantly, the legislation clarifies that merely participating in one of these marketplace pools would not create an employer-employee relationship or make participants jointly responsible employers for any purpose beyond offering health coverage. The bill contains no specific funding appropriations or implementation timelines, as it primarily amends existing employment benefits law to expand options for how small businesses and individuals can access group health insurance coverage.
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