Yes, at least two big changes were attempted in last administration with 50% success rate. First, loosening restrictions on association health plans which would

Yes, at least two big changes were attempted in last administration with 50% success rate. First, loosening restrictions on association health plans which would have allowed diverse groups of small businesses in an area to band together to negotiate lower rates as if a larger organization. This was struck down by the federal court. The second, and successful, move was to allow health reimbursement accounts (HRA) to pay for insurance premiums on the individual market. These plans, an ICHRA, would allow a small business to essentially give pre-tax dollars to the employee for buying health insurance as long as the reimbursements were applied consistently across the employee base. The second was great, but the first would have been even better since it would have lowered group rates. Individual insurance premiums and deductibles (when not subsidized by gov) are often so expensive they are hard to justify. Still ICHRA’s are at least another tool for employers and employees to share the burden.