Congress guarantees maternity coverage and extends postpartum care to 12 months
S. 3274 — Healthy MOM Act · Filed by Angela Alsobrooks (D-MD) · 14 cosponsors · Introduced Nov 20, 2025 · Referred to committee
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What it does
This bill creates a special enrollment period allowing pregnant women to sign up for health insurance outside normal enrollment windows, requires employer and individual health plans to cover maternity care for all dependents regardless of age, extends Medicaid coverage for pregnant women and postpartum care to 12 months continuously, and ensures federal employees can enroll in health plans when pregnant. The bill aims to reduce maternal mortality and improve access to prenatal and postpartum care, particularly for communities of color experiencing disproportionate maternal death rates.
Why we flagged it
The bill's core mechanism is a public-health mandate requiring insurers to provide maternity coverage and special enrollment periods for pregnant women. It is not a tax provision, subsidy, or deregulation—it is a coverage mandate designed to address documented maternal mortality disparities.
What the text implies
- Medicaid income-eligibility floors are frozen at state-specific 2025 levels, preventing future federal reductions but also locking in existing state disparities in coverage thresholds across the country.
- The 12-month postpartum Medicaid coverage mandate may create administrative burden for states to track and disenroll beneficiaries at the 12-month mark, potentially increasing churn and coverage gaps if states lack systems to manage the transition.
- Dependent daughters on employer plans gain maternity coverage regardless of age, which may increase family plan premiums and could incentivize some employers to restructure dependent coverage or shift costs to employees.
- Federal employee health plans are required to treat pregnancy as a qualifying life event, but the Anti-Deficiency Act carve-out (section 5(b)) exempts FEHBP enrollment services from appropriations limits during government shutdowns—a narrow but real expansion of emergency authority.
Section numbers refer to the bill text the analysis read — linked under Primary records below.
Who it affects
Pregnant women and new mothers gain guaranteed access to health insurance during pregnancy and for 12 months postpartum, with mandatory maternity coverage across all plan types. The bill directly addresses documented maternal mortality disparities, particularly for Black and Indigenous women, and removes coverage gaps that previously left young women and dependent daughters uninsured during pregnancy.
Who stands to gain
- pregnant women and new mothers (expanded coverage access)
- health insurance issuers (potential increase in covered lives and premium revenue from dependent mat
- healthcare providers (increased maternity care utilization and payment)
Named in the bill
Centers for Disease Control and Prevention, Office of Personnel Management, Department of Health and Human Services, Medicaid, CHIP (Children's Health Insurance Program), Patient Protection and Affordable Care Act, Public Health Service Act, Internal Revenue Code, Employee Retirement Income Security Act (ERISA), Social Security Act
Where it stands
14 cosponsors: 13 Democrats, 1 Independents.
- Nov 20, 2025 — Introduced · Congress.gov: “Introduced in Senate”
- Nov 20, 2025 — Referred to Senate Committee on Health, Education, Labor, and Pensions · Congress.gov: “Read twice and referred to the Committee on Health, Education, Labor, and Pensions”
Dates and quoted wording are Congress.gov's action record; the timeline shows status changes, not every procedural step.
Money around this bill
1 lobbying clients named this bill on 1 disclosure filings across 1 quarter, Dec 2025 to Dec 2025. Those filings disclosed $230,000 in lobbying spend. A filing names 20 bills on average, so that figure is what each filing reported, not a share belonging to this bill.
More lobbying clients named this bill than 0% of bills with at least one filing.
Angela Alsobrooks, the sponsor, reported $493,679 in PAC receipts in the 2026 cycle.
- American College of Obstetricians and Gynecologists — $230,000 on 1 filing
Lobbying Disclosure Act filings through Jan 20, 2026. A filing shows who paid to lobby on a bill it names, not what changed.
How this was measured
Analysis — Quorum's AI read the bill text published by Congress.gov (15,943 characters) on Aug 29, 2026. Section numbers in the findings refer to that text, linked below; transparency and hidden-provision scores are compared against the median of 16,222 analysed bills.
Status and sponsors — Congress.gov's bill record — actions, committee referrals and cosponsors — loaded nightly. The timeline shows status changes, not every procedural action.
Money — Senate Lobbying Disclosure Act filings whose specific-issue field names this bill for quarters ending Dec 2025 to Dec 2025. A filing's amount is reported whole beside the median number of bills a filing names; it is never divided across them. PAC receipts are FEC-reported contributions to the sponsor's candidate committee in the 2026 cycle.
As of — lobbying records through Jan 20, 2026 · page rendered 2026-10-20.
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