Bill > S2086

This bill aims to modify the Employee Retirement Income Security Act of 1974 to create a new framework for "health marketplace pools," which are entities that can be considered employers for the purpose of offering group health plans or health insurance coverage. The bill allows these pools to form risk-sharing groups that can offer health insurance to their members without discriminating based on health status. Health marketplace pools can include various types of organizations and individuals, such as members of an entity, employees, and their dependents. These pools can offer group health plans or insurance coverage that may include only drug benefits (both prescription and non-prescription), and they can work with health insurance issuers to provide coverage. The bill ensures that membership in these pools is open and nondiscriminatory, and participation in a health marketplace pool does not automatically create an employer-employee relationship or make members fiduciaries of the health plan. The legislation is designed to provide more flexible and accessible health insurance options for individuals and small groups by allowing the creation of these collaborative health insurance pools that can spread risk and potentially reduce costs.

Health and Social Services

https://www.congress.gov/bill/119th-congress/senate-bill/2086/all-info