Healthcare Freedom and Fairness Act

The Healthcare Freedom and Fairness Act allows groups of individuals to form "health marketplace pools" that are legally treated as employers for the purpose of offering group health insurance. These pools must be established in good faith without discriminating against members based on their health status and must offer the same coverage options to all participants. The bill permits these pools to provide plans that include prescription drugs or, in some cases, only drug coverage, while also allowing them to offer administrative services like billing and enrollment. By redefining these pools as employers under existing federal law, the legislation aims to facilitate the creation of private health insurance arrangements that operate outside traditional employer-employee relationships.