Easier Access to Group Health Plans for Businesses and Self-Employed
This act makes it easier for small businesses and self-employed individuals to form groups to access group health plans. The goal is to lower healthcare costs and increase access to coverage. New rules allow these groups to form regardless of industry, while maintaining protections against health status discrimination.
Key points
Businesses and self-employed individuals can more easily form groups to collectively purchase health insurance, potentially lowering costs.
These groups can include businesses from different industries, increasing flexibility and pooling opportunities.
Health plans offered by these groups must still protect against discrimination based on health status and pre-existing conditions.
Self-employed individuals are treated as employees, allowing them to participate in group health plans.
The act does not alter other important health plan regulations, such as non-discrimination protections.
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