diff --git a/activerecord/CHANGELOG.md b/activerecord/CHANGELOG.md
index bdfad6fd68..ef1d07f1c3 100644
--- a/activerecord/CHANGELOG.md
+++ b/activerecord/CHANGELOG.md
@@ -1,3 +1,12 @@
+*   Connection specification now passes the "url" key as a configuration for the
+    adapter if the "url" protocol is "jdbc", "http", or "https". Previously only
+    urls with the "jdbc" prefix were passed to the Active Record Adapter, others
+    are assumed to be adapter specification urls.
+
+    Fixes #41137.
+
+    *Jonathan Bracy*
+
 *   Allow to opt-out of `strict_loading` mode on a per-record base.
 
     This is useful when strict loading is enabled application wide or on a
diff --git a/activerecord/lib/active_record/database_configurations/url_config.rb b/activerecord/lib/active_record/database_configurations/url_config.rb
index f4ad016d38..a8ee4f64fc 100644
--- a/activerecord/lib/active_record/database_configurations/url_config.rb
+++ b/activerecord/lib/active_record/database_configurations/url_config.rb
@@ -42,7 +42,7 @@ module ActiveRecord
         # Return a Hash that can be merged into the main config that represents
         # the passed in url
         def build_url_hash
-          if url.nil? || url.start_with?("jdbc:")
+          if url.nil? || %w(jdbc: http: https:).any? { |protocol| url.start_with?(protocol) }
             { url: url }
           else
             ConnectionUrlResolver.new(url).to_hash
diff --git a/activerecord/test/cases/connection_adapters/merge_and_resolve_default_url_config_test.rb b/activerecord/test/cases/connection_adapters/merge_and_resolve_default_url_config_test.rb
index d85eb88eec..9a117e4c56 100644
--- a/activerecord/test/cases/connection_adapters/merge_and_resolve_default_url_config_test.rb
+++ b/activerecord/test/cases/connection_adapters/merge_and_resolve_default_url_config_test.rb
@@ -126,6 +126,18 @@ module ActiveRecord
         assert_equal config["production"].symbolize_keys, actual
       end
 
+      def test_http_url
+        config   = { "production" => { "url" => "http://example.com/path" } }
+        actual   = resolve_config(config, "production")
+        assert_equal config["production"].symbolize_keys, actual
+      end
+
+      def test_https_url
+        config   = { "production" => { "url" => "https://example.com" } }
+        actual   = resolve_config(config, "production")
+        assert_equal config["production"].symbolize_keys, actual
+      end
+
       def test_environment_does_not_exist_in_config_url_does_exist
         ENV["DATABASE_URL"] = "postgres://localhost/foo"
         config      = { "not_default_env" => { "adapter" => "not_postgres", "database" => "not_foo" } }