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S. 2086119th CongressIn committeeLatest action Jun 17, 2025Decoded by AI · checked against the record
Official title: Health Marketplace for All Act of 2025
Introduced:
Read the official bill on Congress.govThe plain-language version leads. The official text is always the reference.
Senate bill S 2086 lets individuals, gig workers, and small businesses form pools to buy group health insurance as one large employer.
55-second read · 4 questions answered below
S 2086 creates a new arrangement called a "health marketplace pool," allowing individuals, small businesses, and associations to band together and purchase group health insurance as a single large group. Under current law, only actual employers can offer group health plans, but this bill grants pool organizers legal employer status solely for the purpose of offering group coverage. Pools could buy insurance from a carrier or self-insure, and may also offer standalone drug-only plans covering prescription and over-the-counter medications.
The bill most directly affects self-employed workers, gig workers, freelancers, and employees of very small businesses who currently lack access to affordable group health insurance. Insurance companies, larger employers, and traditional insurance markets could also see indirect effects, while people already covered by employer plans, Medicare, or Medicaid would not be directly impacted.
Pools gaining large-group purchasing status could shift pricing dynamics in insurance markets, potentially affecting rates and competition for existing insurers. The explicit rule that pool members carry no fiduciary legal duties changes the liability structure compared to traditional employer-sponsored plans.
AI-drafted summary. Verify it against the official text before you act on it. Read the official bill on Congress.gov
Right now: a Senate committee is reviewing it. If the House changes it, it goes back to the Senate before reaching the President.
Latest action: — Read twice and referred to the Committee on Health, Education, Labor, and Pensions.