H.R. 2528 · On the floor · Health

Association Health Plans Act

What it does

Amends ERISA to clarify that a group or association of employers may be treated as an employer for purposes of sponsoring a group health plan if the association has at least 51 aggregated employees, has existed for 2 years, is formed in good faith for purposes other than providing medical care.
Permits association health plans to establish premium rates using modified community rating methodology that pools participant claims while allowing adjustment of individual employer contribution rates based on specific risk profiles.
Treats self-employed individuals as employers eligible to join association health plans and as employees eligible to participate, provided they have no common law employees, own a trade or business, earn wages or self-employment income, and work at least 10 hours weekly or 40 hours monthly.
Clarifies that providing employee welfare benefit plan coverage through a group or association of employers does not establish an employer or joint employer relationship under Federal or State law.

Dec 15, 2025: Placed on the Union Calendar, Calendar No. 357.

Committee: House Education and Workforce