Pregnancy loss: insurers can no longer charge full price for prenatal care
H.R. 6288 — Caring for Grieving Families Act of 2025 · Filed by Eugene Vindman (D-VA) · 1 cosponsor · Introduced Nov 21, 2025 · Referred to committee
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What it does
This bill amends health insurance law to cap out-of-pocket costs for prenatal care when a pregnancy ends in miscarriage or stillbirth. Currently, if an insurer bundles prenatal services with delivery costs and the birth does not occur, patients may face full cost-sharing on prenatal visits. The bill requires insurers to limit those charges to what the patient would have paid if the full bundled delivery had happened—effectively spreading the bundled cost across the prenatal services that did occur, rather than charging full price for care that was part of a package that never completed.
Why we flagged it
The bill's operative mechanism is a cost-sharing cap for a specific patient population (those experiencing pregnancy loss) in a defined circumstance (bundled payment non-completion). It is a targeted consumer protection, not a broad deregulation or industry carve-out.
What the text implies
- The bill applies only to bundled-payment arrangements; patients with non-bundled prenatal coverage are unaffected, potentially creating disparities based on insurance plan design.
- Effective date of January 1, 2027 creates a 2-year lag, meaning patients experiencing pregnancy loss before that date receive no protection under this rule.
The full analysis lists 4 implications of this text.
Who stands to gain
patients experiencing miscarriage or stillbirth (reduced out-of-pocket costs)