Small businesses and self-employed people would get new options for group health insurance.
This bill would make it easier for small businesses and self-employed individuals to team up and offer health insurance through what are called Association Health Plans (AHPs). It would change federal rules to let these groups act like larger employers. This could potentially give them more choices and different ways to set health plan costs. It would also ensure protections against denying coverage for pre-existing conditions.
Today, federal law often limits how groups of employers, especially those not in the same industry, can offer health plans as a single entity, often subjecting them to state small-group insurance rules. This bill would expand the definition of "employer" under federal law to include certain groups or associations of employers, regardless of industry, if they meet specific criteria (like having at least 51 employees and being in existence for at least 2 years). This would allow them to offer health plans as a single large group and include self-employed individuals, while also setting rules for premium rating and non-discrimination.
S 1847 · 119th Congress · May 21, 2025 · AI Summary by gemini-2.5-flash · 10/10
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17 filings mentioned this bill
Amounts reflect total quarterly lobbying spend reported to the Senate, not bill-specific spending. Source: Senate LDA filings.