# 119-s-2086: Health Marketplace for All Act of 2025

119-s-2086, Health Marketplace for All Act of 2025, is a 119th Congress bill sponsored by Sen. Paul, Rand [R-KY] (R-KY); status introduced; PRIA reads it as touching household money (as of 2026-07-02).

- Canonical: https://policyrisk.com/legislation/119-s-2086
- As of: 2026-07-02
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-s-2086
- Congress: 119
- Title: Health Marketplace for All Act of 2025
- Status: introduced
- Introduced: 2025-06-17
- Sponsor: Sen. Paul, Rand [R-KY] (R-KY)
- Cosponsors: 1
- Policy area: Health
- Touches household money: yes
- Last recorded action: 2026-07-02

## Summary

**Creates a new federal framework that treats "health marketplace pools" as ERISA employers for offering group health plans.** The bill would let organizations form voluntary pools that offer uniform group coverage while clarifying who counts as an employer or fiduciary.

## Cosponsors (1)

- Sen. Lummis, Cynthia M. [R-WY] (R-WY), 2025-12-09T00:00:00.000Z

## Provisions PRIA read

- Fair membership and enrollment rules: benefit, medium. If enacted, this would require pools to form a risk pool in good faith and not deny membership for health reasons. You would be able to enroll in a pool plan if you are a member, an employee of a member, or a dependent. Pools could set enrollment rules, but they must apply the same rules to everyon…
- Pools can act like employers: benefit, medium. If enacted, this would let qualifying marketplace pools be treated like an employer only to offer group health plans. This could let members access group coverage through the pool. Membership alone would not make you a plan fiduciary.
- Multiple pools can operate locally: benefit, low. If enacted, this would allow more than one health marketplace pool to form and operate in the same geographic area. There would be no statutory limit on the number of pools in a community. This could increase choice or competition in local markets.
- Pools set rates and run plans: mixed, medium. If enacted, pools could set plan or product rates themselves or let a contracting insurer set rates. Pools could offer coverage via an insurer contract or by self-insuring. Pools could also provide administrative services and offer drug-only plans or include drugs in other plans. Rates may vary for…

## Related bills

- 119-s-3752: SAVE America Act
- 119-s-263: FAIR Act of 2025
- 119-sconres-39: A concurrent resolution setting forth the congressional budget for the United States Government for fiscal year 2027 and setting forth the appropriate budgetar…
- 119-s-485: Regulations from the Executive in Need of Scrutiny Act of 2025
- 119-s-188: Free Speech Protection Act
- 119-s-2067: Rescissions Act of 2025

## Sources
- [119-s-2086 on Congress.gov](https://www.congress.gov/bill/119th-congress/senate-bill/2086)

## Related
- [119-s-3752: SAVE America Act](https://policyrisk.com/legislation/119-s-3752)
- [119-s-263: FAIR Act of 2025](https://policyrisk.com/legislation/119-s-263)
- [119-sconres-39: A concurrent resolution setting forth the congressional budget for the United S…](https://policyrisk.com/legislation/119-sconres-39)
- [119-s-485: Regulations from the Executive in Need of Scrutiny Act of 2025](https://policyrisk.com/legislation/119-s-485)
- [119-s-188: Free Speech Protection Act](https://policyrisk.com/legislation/119-s-188)
- [119-s-2067: Rescissions Act of 2025](https://policyrisk.com/legislation/119-s-2067)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-s-2086 (as of 2026-07-02).