Zero-cost prenatal and postpartum care now required under health plans
H.R. 3762 — Supporting Healthy Moms and Babies Act · Filed by Jared Golden (D-ME) · 29 cosponsors · Introduced Jun 5, 2025 · Referred to committee
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What it does
This bill amends the Affordable Care Act to require health insurance plans to cover prenatal, childbirth, neonatal, perinatal, and postpartum care (including ultrasounds, delivery services, miscarriage care, and behavioral health services for up to one year after birth) with zero cost-sharing—meaning no copays, coinsurance, or deductibles. The requirement applies to all group and individual health plans starting in plan years after the bill's enactment.
Why we flagged it
The bill's operative mechanism is a straightforward mandate requiring zero cost-sharing for defined maternal and newborn health services across all insurance plan types. It is a public-health protection measure, not a tax provision, subsidy, or deregulation.
What the text implies
- Insurers may respond by raising premiums on all enrollees to offset the elimination of cost-sharing revenue from maternity services, potentially shifting costs to non-pregnant populations.
- The one-year postpartum behavioral health coverage (including for non-birthing legal parents) expands mental-health access beyond traditional maternity scope, potentially setting precedent for other condition-specific cost-sharing eliminations.
The full analysis lists 4 implications of this text.
Who stands to gain
pregnant people and new parents (reduced out-of-pocket costs); obstetric and maternal-health providers (increased volume of insured patients with zero cost-sharing