Association Health Plans Act

This bill allows small businesses and self-employed individuals to form shared health insurance plans across different industries, rather than being limited to their own industry. To qualify, the group must exist for at least two years, not discriminate based on health status, and have a governing board with 75% employer representation. These plans must offer equal coverage regardless of health conditions and can adjust premiums based on employer risk pools, while still prohibiting pre-existing condition exclusions. It directly affects small business owners and self-employed people seeking affordable group health options outside traditional industry boundaries.