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Bill expands small-business access to group health plans outside ACA exchanges

Missouri House of Representatives · April 1, 2026
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Summary

HB 24-65 would let sole proprietors and very small employers purchase group plans outside the ACA market by changing the definition of small groups from 2-50 to 1-50 employees; supporters said the change increases choice for microbusinesses.

Representative from Platt presented HB 24-65 to allow sole proprietors and single-member small businesses more flexibility in purchasing group health coverage by changing the small-group definition from 2'50 to 1'50 lives. The sponsor said neighboring states already allow the approach and that it would expand options for small employers.

Floor members from the commerce committee spoke in support, noting the bill corrects an old artifact in state law that excluded spouses and left some tiny firms with limited plan options. One member clarified that a single individual is not "forced" to buy on the ACA exchange but that options are limited under current law. After brief discussion the House adopted the committee substitute and ordered it perfected and printed.