Health Marketplace for All Act of 2025

This bill redefines certain health marketplace pools as "employers" under federal law, enabling them to offer group health coverage to members without discriminating based on health status. It requires these pools to provide uniform coverage to all members (including employees and dependents of participating employers), prohibit health-based enrollment barriers, and allow plans offering only prescription or over-the-counter drug coverage as a primary benefit. Key provisions include standardized pricing rules, geographic flexibility for pool operations, and clarifying that participation does not create employer or joint-employer relationships under other laws. The policy directly affects entities forming these pools (e.g., community cooperatives) and their members, such as small business employees and their dependents.