H.R. 6703 · Passed House · Health

Lower Health Care Premiums for All Americans Act

Sponsor: Mariannette Miller-Meeks (R-IA)

What it does

• Amends ERISA to permit groups or associations of employers to establish and maintain group health plans regardless of whether the employers are in the same industry or trade.
• Requires association health plans to have existed for at least 2 years, maintain a formal governing board with 75 percent employer-member control, and cover at least 51 employees.
• Permits association health plans to set premium rates using modified community rating and actuarial adjustment based on each employer member's risk profile.
• Prohibits association health plans from conditioning membership on health status factors or discriminating in eligibility, premiums, or coverage based on health status or pre-existing conditions.

Latest action

Dec 18, 2025: Received in the Senate.

Committee: House Energy and Commerce