The U.S. House of Representatives has passed a Republican-backed healthcare bill that allows individuals to purchase health insurance in groups, a move supporters say will help lower premiums by increasing bargaining power. The legislation advances a long-standing GOP goal of expanding access to association-style health plans.
Under the bill, people who are self-employed, work for small businesses, or lack employer-sponsored coverage would be able to band together to buy insurance as a group. Republicans argue that pooling consumers will reduce costs and provide more flexible coverage options outside of traditional employer plans.
Notably, the legislation does not extend Affordable Care Act (ACA) subsidies. GOP lawmakers say the bill focuses on market-based reforms rather than expanding federal spending, while Democrats criticize it for failing to provide additional financial assistance to low- and middle-income Americans.
Supporters contend the measure increases consumer choice and competition, helping families find more affordable plans without relying on government subsidies. They also argue it reduces regulatory burdens that drive up insurance costs.
The bill now heads to the Senate, where its future remains uncertain. Democrats have raised concerns that group plans could weaken ACA marketplaces, while Republicans are framing the vote as a step toward lowering healthcare costs through private-sector solutions.
