S2086-119

1. Short title This Act may be cited as the Health Marketplace for All Act of 2025.

2. Health marketplace pools deemed an employer for purposes of offering group health plans or group health insurance coverage Section 3(5) of the Employee Retirement Income Security Act of 1974 (29 U.S.C. 1002(5)) is amended by adding at the end the following: Such term shall be deemed to include, for purposes of offering a group health plan (as defined in section 733(a)(1)) or group health insurance coverage (as defined in section 733(b)(4)) (which, notwithstanding any other provision of law, may include such a plan or coverage covering prescription or nonprescription drugs as the only benefit offered by the plan or coverage in accordance with section 736(b)(5)(B)), any entity that meets the requirements under section 736(b).. Part 7 of subtitle B of title I of the Employee Retirement Income Security Act of 1974 (29 U.S.C. 1181 et seq.) is amended by adding at the end the following: An entity (referred to in this section as a health marketplace pool) that meets the requirements under subsection (b) shall be deemed an employer under section 3(5) for purposes of offering a group health plan or group health insurance coverage (which, notwithstanding any other provision of law, may include such a plan or coverage covering prescription or nonprescription drugs as the only benefit offered by the plan or coverage in accordance with subsection (b)(5)(B)). The requirements under this subsection are each of the following: The health marketplace pool shall— be formed and maintained in good faith for a purpose that includes the formation of a risk pool in order to offer group health insurance coverage or a group health plan to its members; and not condition membership in the health marketplace pool on any health status-related factor relating to an individual (including an employee of an employer or a dependent of an employee). The health marketplace pool, which may be in conjunction with a health insurance issuer that offers group health insurance coverage through the health marketplace pool, shall make available a group health plan or group health insurance coverage to all members of the health marketplace pool (and, in the case of members that are employers, employees of the employers) at rates that— are established by the health marketplace pool, or a health insurance issuer contracting with such health marketplace pool, on a policy or product specific basis; and subject to sections 701 and 702, may vary for individuals covered through the health marketplace pool. Such group health plan or group health insurance coverage may be made available under clause (i) to any dependents of members of the health marketplace pool or dependents of employees of employers that are such members. Subject to clause (ii), the health marketplace pool may not offer coverage under a group health plan or group health insurance coverage to a member of the health marketplace pool unless the same coverage is offered to all such members of the health marketplace pool. Nothing in this subsection shall be construed as requiring a health insurance issuer or group health plan to provide coverage outside the service area of the issuer or plan, or preventing a health insurance issuer or group health plan from underwriting or from excluding or limiting the coverage on any individual, subject to the requirements under sections 701 and 702. The health marketplace pool may provide— group health insurance coverage through a contract with a health insurance issuer; or a group health plan through self-insurance. Nothing in this subsection shall be construed as preventing the establishment and operation of more than 1 health marketplace pool in a geographic area or as limiting the number of health marketplace pools that may operate in any area. The health marketplace pool may provide administrative services for members. Such services may include accounting, billing, and enrollment information. The group health plan or group health insurance coverage offered by the health marketplace pool may offer— drug coverage, including coverage of over-the-counter drugs, in combination with other benefits covered by the group health plan or group health insurance coverage; or notwithstanding any other provision of law, drug coverage, including coverage of over-the-counter drugs, as the only benefit covered by the group health plan or group health insurance coverage. With respect to an individual who is a member of the health marketplace pool— the individual may enroll for coverage under the group health plan or group health insurance coverage offered by the health marketplace pool (including, if applicable, enrollment for coverage for a dependent of such individual); or the employer of the individual may enroll the individual for coverage under the group health plan or group health insurance coverage offered by the health marketplace pool (including, if applicable, enrollment for coverage for a dependent of such individual). An individual shall be eligible to be a member of the health marketplace pool if such individual is— a member of an entity that establishes or joins the health marketplace pool (or a dependent of such a member, as applicable); an employee of a member of an entity described in clause (i) (or a dependent of such an employee, as applicable); or an employee of an entity (or a dependant of such an employee, as applicable) controlled by a member of an entity described in clause (i). Nothing in this paragraph shall preclude the health marketplace pool from establishing rules of enrollment and reenrollment of members. Such rules shall be applied consistently to all members within the health marketplace pool and shall not be based in any manner on health status-related factors in accordance with sections 701 and 702. Participating in or facilitating a group health plan or group health insurance coverage under this section shall not be construed as establishing under any Federal or State law— an employer relationship for any purpose other than offering the group health plan or group health insurance coverage; or a joint employer relationship for any purpose. In this section, the term dependent, as applied to a group health plan or group health insurance coverage offered in a State, shall have the meaning applied to such term with respect to such plan or coverage under the State law applying to such plan or coverage. Such term may include the spouse and children of the individual involved in accordance with such State law. 736.Health marketplace pools deemed an employer for purposes of offering group health plans or group health insurance coverage(a)In generalAn entity (referred to in this section as a health marketplace pool) that meets the requirements under subsection (b) shall be deemed an employer under section 3(5) for purposes of offering a group health plan or group health insurance coverage (which, notwithstanding any other provision of law, may include such a plan or coverage covering prescription or nonprescription drugs as the only benefit offered by the plan or coverage in accordance with subsection (b)(5)(B)).(b)Requirements for health marketplace poolsThe requirements under this subsection are each of the following:(1)OrganizationThe health marketplace pool shall—(A)be formed and maintained in good faith for a purpose that includes the formation of a risk pool in order to offer group health insurance coverage or a group health plan to its members; and(B)not condition membership in the health marketplace pool on any health status-related factor relating to an individual (including an employee of an employer or a dependent of an employee).(2)Offering group health plans and group health insurance coverage(A)Different groups(i)In generalThe health marketplace pool, which may be in conjunction with a health insurance issuer that offers group health insurance coverage through the health marketplace pool, shall make available a group health plan or group health insurance coverage to all members of the health marketplace pool (and, in the case of members that are employers, employees of the employers) at rates that—(I)are established by the health marketplace pool, or a health insurance issuer contracting with such health marketplace pool, on a policy or product specific basis; and(II)subject to sections 701 and 702, may vary for individuals covered through the health marketplace pool.(ii)Permissible coverage for dependentsSuch group health plan or group health insurance coverage may be made available under clause (i) to any dependents of members of the health marketplace pool or dependents of employees of employers that are such members.(B)Nondiscrimination in coverage offered(i)In generalSubject to clause (ii), the health marketplace pool may not offer coverage under a group health plan or group health insurance coverage to a member of the health marketplace pool unless the same coverage is offered to all such members of the health marketplace pool.(ii)ConstructionNothing in this subsection shall be construed as requiring a health insurance issuer or group health plan to provide coverage outside the service area of the issuer or plan, or preventing a health insurance issuer or group health plan from underwriting or from excluding or limiting the coverage on any individual, subject to the requirements under sections 701 and 702.(C)Assumption of riskThe health marketplace pool may provide—(i)group health insurance coverage through a contract with a health insurance issuer; or(ii)a group health plan through self-insurance.(3)Geographic areasNothing in this subsection shall be construed as preventing the establishment and operation of more than 1 health marketplace pool in a geographic area or as limiting the number of health marketplace pools that may operate in any area.(4)Provision of administrative services to purchasersThe health marketplace pool may provide administrative services for members. Such services may include accounting, billing, and enrollment information.(5)Drug coverageThe group health plan or group health insurance coverage offered by the health marketplace pool may offer—(A)drug coverage, including coverage of over-the-counter drugs, in combination with other benefits covered by the group health plan or group health insurance coverage; or(B)notwithstanding any other provision of law, drug coverage, including coverage of over-the-counter drugs, as the only benefit covered by the group health plan or group health insurance coverage.(6)Members(A)In generalWith respect to an individual who is a member of the health marketplace pool—(i)the individual may enroll for coverage under the group health plan or group health insurance coverage offered by the health marketplace pool (including, if applicable, enrollment for coverage for a dependent of such individual); or(ii)the employer of the individual may enroll the individual for coverage under the group health plan or group health insurance coverage offered by the health marketplace pool (including, if applicable, enrollment for coverage for a dependent of such individual).(B)EligibilityAn individual shall be eligible to be a member of the health marketplace pool if such individual is—(i)a member of an entity that establishes or joins the health marketplace pool (or a dependent of such a member, as applicable);(ii)an employee of a member of an entity described in clause (i) (or a dependent of such an employee, as applicable); or(iii)an employee of an entity (or a dependant of such an employee, as applicable) controlled by a member of an entity described in clause (i).(C)Rules for enrollmentNothing in this paragraph shall preclude the health marketplace pool from establishing rules of enrollment and reenrollment of members. Such rules shall be applied consistently to all members within the health marketplace pool and shall not be based in any manner on health status-related factors in accordance with sections 701 and 702.(c)Determination of employer and joint employer statusParticipating in or facilitating a group health plan or group health insurance coverage under this section shall not be construed as establishing under any Federal or State law—(1)an employer relationship for any purpose other than offering the group health plan or group health insurance coverage; or(2)a joint employer relationship for any purpose.(d)DefinitionIn this section, the term dependent, as applied to a group health plan or group health insurance coverage offered in a State, shall have the meaning applied to such term with respect to such plan or coverage under the State law applying to such plan or coverage. Such term may include the spouse and children of the individual involved in accordance with such State law..

736. Health marketplace pools deemed an employer for purposes of offering group health plans or group health insurance coverage An entity (referred to in this section as a health marketplace pool) that meets the requirements under subsection (b) shall be deemed an employer under section 3(5) for purposes of offering a group health plan or group health insurance coverage (which, notwithstanding any other provision of law, may include such a plan or coverage covering prescription or nonprescription drugs as the only benefit offered by the plan or coverage in accordance with subsection (b)(5)(B)). The requirements under this subsection are each of the following: The health marketplace pool shall— be formed and maintained in good faith for a purpose that includes the formation of a risk pool in order to offer group health insurance coverage or a group health plan to its members; and not condition membership in the health marketplace pool on any health status-related factor relating to an individual (including an employee of an employer or a dependent of an employee). The health marketplace pool, which may be in conjunction with a health insurance issuer that offers group health insurance coverage through the health marketplace pool, shall make available a group health plan or group health insurance coverage to all members of the health marketplace pool (and, in the case of members that are employers, employees of the employers) at rates that— are established by the health marketplace pool, or a health insurance issuer contracting with such health marketplace pool, on a policy or product specific basis; and subject to sections 701 and 702, may vary for individuals covered through the health marketplace pool. Such group health plan or group health insurance coverage may be made available under clause (i) to any dependents of members of the health marketplace pool or dependents of employees of employers that are such members. Subject to clause (ii), the health marketplace pool may not offer coverage under a group health plan or group health insurance coverage to a member of the health marketplace pool unless the same coverage is offered to all such members of the health marketplace pool. Nothing in this subsection shall be construed as requiring a health insurance issuer or group health plan to provide coverage outside the service area of the issuer or plan, or preventing a health insurance issuer or group health plan from underwriting or from excluding or limiting the coverage on any individual, subject to the requirements under sections 701 and 702. The health marketplace pool may provide— group health insurance coverage through a contract with a health insurance issuer; or a group health plan through self-insurance. Nothing in this subsection shall be construed as preventing the establishment and operation of more than 1 health marketplace pool in a geographic area or as limiting the number of health marketplace pools that may operate in any area. The health marketplace pool may provide administrative services for members. Such services may include accounting, billing, and enrollment information. The group health plan or group health insurance coverage offered by the health marketplace pool may offer— drug coverage, including coverage of over-the-counter drugs, in combination with other benefits covered by the group health plan or group health insurance coverage; or notwithstanding any other provision of law, drug coverage, including coverage of over-the-counter drugs, as the only benefit covered by the group health plan or group health insurance coverage. With respect to an individual who is a member of the health marketplace pool— the individual may enroll for coverage under the group health plan or group health insurance coverage offered by the health marketplace pool (including, if applicable, enrollment for coverage for a dependent of such individual); or the employer of the individual may enroll the individual for coverage under the group health plan or group health insurance coverage offered by the health marketplace pool (including, if applicable, enrollment for coverage for a dependent of such individual). An individual shall be eligible to be a member of the health marketplace pool if such individual is— a member of an entity that establishes or joins the health marketplace pool (or a dependent of such a member, as applicable); an employee of a member of an entity described in clause (i) (or a dependent of such an employee, as applicable); or an employee of an entity (or a dependant of such an employee, as applicable) controlled by a member of an entity described in clause (i). Nothing in this paragraph shall preclude the health marketplace pool from establishing rules of enrollment and reenrollment of members. Such rules shall be applied consistently to all members within the health marketplace pool and shall not be based in any manner on health status-related factors in accordance with sections 701 and 702. Participating in or facilitating a group health plan or group health insurance coverage under this section shall not be construed as establishing under any Federal or State law— an employer relationship for any purpose other than offering the group health plan or group health insurance coverage; or a joint employer relationship for any purpose. In this section, the term dependent, as applied to a group health plan or group health insurance coverage offered in a State, shall have the meaning applied to such term with respect to such plan or coverage under the State law applying to such plan or coverage. Such term may include the spouse and children of the individual involved in accordance with such State law.

3. Conforming amendments Section 3 of the Employee Retirement Income Security Act of 1974 (29 U.S.C. 1002) is amended— in paragraph (6), by inserting before the period , except (with respect to an entity meeting the requirements under section 736(b)) such term includes any member of such entity; in paragraph (21)— in subparagraph (A), by striking subparagraph (B) and inserting subparagraphs (B) and (C); and by adding at the end the following: With respect to a person that is a member of an entity (referred to in section 736 and this subparagraph as a health marketplace pool) that meets the requirements of section 736(b) and offers a group health plan (as defined in section 733(a)(1)) or group health insurance coverage (as defined in section 733(b)(4)) (which, notwithstanding any other provision of law, may include such a plan or coverage covering prescription or nonprescription drugs as the only benefit offered by the plan or coverage), membership in the health marketplace pool shall not by itself cause the person to be a fiduciary with respect to the group health plan or group health insurance coverage. in paragraph (40)(A)— in clause (ii), by striking , or and inserting ,; in clause (iii), by striking the period and inserting , or; and by adding at the end the following: as a group health plan (as defined in section 733(a)(1)), or group health insurance coverage (as defined in section 733(b)(4)), offered by an entity meeting the requirements under section 736(b) (which, notwithstanding any other provision of law, may include such an entity offering such a plan or coverage covering prescription or nonprescription drugs as the only benefit offered by the plan or coverage). (C)With respect to a person that is a member of an entity (referred to in section 736 and this subparagraph as a health marketplace pool) that meets the requirements of section 736(b) and offers a group health plan (as defined in section 733(a)(1)) or group health insurance coverage (as defined in section 733(b)(4)) (which, notwithstanding any other provision of law, may include such a plan or coverage covering prescription or nonprescription drugs as the only benefit offered by the plan or coverage), membership in the health marketplace pool shall not by itself cause the person to be a fiduciary with respect to the group health plan or group health insurance coverage.; and (iv)as a group health plan (as defined in section 733(a)(1)), or group health insurance coverage (as defined in section 733(b)(4)), offered by an entity meeting the requirements under section 736(b) (which, notwithstanding any other provision of law, may include such an entity offering such a plan or coverage covering prescription or nonprescription drugs as the only benefit offered by the plan or coverage)..