New parents get to pick which insurance covers their baby—but at what cost?
H.R. 3910 — Empowering Parents’ Healthcare Choices Act · Filed by Sharice Davids (D-KS) · 5 cosponsors · Introduced Jun 11, 2025 · Referred to committee
Your members of Congress
Enter a ZIP to see where your representative and both senators stood on this bill.
Looked up on this device — your ZIP is never stored on our servers.
What it does
This bill allows parents with two separate health insurance policies to choose which plan covers their newborn child as the primary insurer, rather than having coordination-of-benefits rules automatically determine it. Both parents must jointly elect within 60 days of birth, and the choice can be changed or discontinued by mutual agreement. The rule applies to individual policies, employer group plans, and tax-code-regulated plans.
Why we flagged it
The bill modifies coordination-of-benefits rules for dependent children under dual-coverage scenarios, allowing parental election rather than automatic assignment. It is a technical insurance-regulation amendment, not a broad healthcare reform or parental-rights measure despite the title's framing.
What the text implies
- Insurers may face increased administrative costs processing dual notifications and tracking primary-coverage elections, potentially passed to consumers via premium increases.
- The 60-day election window creates a narrow compliance window for new parents, and failure to elect may leave coverage status ambiguous or default to existing coordination rules.
The full analysis lists 4 implications of this text.
Who stands to gain
health insurance issuers (UHS, GH, DVA, BMY, PFE via regulatory exposure); employer group health plans; self-insured employers