This legislation, titled the "Health Marketplace and Savings Accounts for All Act," aims to significantly reform health savings and insurance options. Title I, the "Health Savings Accounts For All Act of 2025," proposes to increase the contribution limitations for HSAs to match the higher limits of 401(k) plans, including catch-up contributions for individuals aged 50 or older. Crucially, it removes the requirement for individuals to be covered by a high-deductible health plan to contribute to an HSA, making these accounts accessible to a broader population. The bill also expands the permissible uses and flexibility of HSAs. It allows funds to be used for direct primary care service arrangements and permits coverage of certain medical expenses incurred in the same or preceding taxable year before an account was established. Additionally, it introduces a mechanism for correcting administrative errors in contributions without penalty if rectified before the tax return due date, and expands HSA rollover options to include children, parents, or grandparents, not just surviving spouses. Further enhancing HSA utility, the bill broadens the definition of qualified medical expenses to include vitamins, dietary supplements, gym memberships, and wearable fitness trackers . To safeguard these expanded accounts, it grants HSAs equivalent bankruptcy protections as those afforded to individual retirement accounts (IRAs) under federal law. These changes aim to make HSAs a more versatile and secure tool for health savings. Title II, the "Health Marketplace for All Act of 2025," introduces a new framework for group health coverage. It allows "health marketplace pools" to be deemed an "employer" under the Employee Retirement Income Security Act (ERISA) for the purpose of offering group health plans or group health insurance coverage. These pools must be formed in good faith for risk pooling and cannot condition membership on health status-related factors. These health marketplace pools would be required to make group health plans or insurance available to all members and their employees, with rates established by the pool that may vary for individuals. They can offer coverage through contracts with health insurance issuers or through self-insurance, and may even offer drug coverage as the sole benefit. Importantly, participation in these pools does not establish an employer or joint employer relationship for any purpose other than offering the health plan, providing flexibility for various groups to collectively access health benefits.