Healthy MOM Act
Sponsored By: Senator Alsobrooks, Angela D. [D-MD]
Introduced
Summary
Guarantees pregnancy-triggered enrollment and expands maternity coverage across public and private plans. It creates special enrollment when a pregnancy is reported, broadens maternity benefits for dependents, and locks in 12-month postpartum coverage in Medicaid and CHIP.
Show full summary
- Pregnant people and families: Requires a special enrollment period across the Affordable Care Act exchanges, group plans, and federal rules that starts when pregnancy is reported. Many private plan changes take effect for plan years beginning on or after January 1, 2027.
- Dependents and children: Group health plans and issuers that cover dependents must include maternity care for all enrollees who are pregnant, with no age limit for pregnant dependents.
- Public programs and federal employees: Makes 12-month continuous Medicaid and CHIP postpartum coverage permanent and changes Medicaid income rules by removing the 185 percent cap and tying eligibility floors to each State's rules as of January 1, 2025. The Federal Employee Health Benefits Program must treat pregnancy as a qualifying life event, with some timing protections and delays tied to enactment and State law.
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Bill Overview
Analyzed Economic Effects
5 provisions identified: 5 benefits, 0 costs, 0 mixed.
Longer Medicaid and CHIP postpartum coverage
If enacted, Medicaid and CHIP would be required to give continuous coverage for pregnancy and for 12 months after birth. States would have to keep each State's Medicaid income threshold for pregnant people and infants at least as high as the percentage the State had listed by January 1, 2025. The 12-month coverage rule would apply to services furnished one year after enactment, and the Medicaid percentage floor would apply to medical assistance on or after January 1, 2027. States that need new state laws would get extra time until the end of their next legislative session.
Maternity coverage for dependents
If enacted, group health plans and issuers that cover dependents would have to include maternity care, labor and delivery, and postpartum care for dependents. The bill would remove age limits that could block maternity coverage for a pregnant dependent. The rule would apply for plan years starting on or after January 1, 2027.
Special enrollment when pregnant
If enacted, the bill would require a special enrollment period for pregnancy in Marketplace, employer, and related plans. The SEP would start when you report your pregnancy to the insurer or Exchange, and for some group plans when the plan is told or a provider confirms the pregnancy. Rules would be set by regulation and would apply for plan years starting on or after January 1, 2027.
Pregnancy enrollment rights for federal workers
If enacted, the Office of Personnel Management would have to treat pregnancy as a qualifying life event for FEHBP enrollment or changes for contracts starting one year after enactment. Enrollment actions tied to pregnancy would also be treated as emergency services so they could proceed during government funding lapses starting on or after enactment.
Preserve stronger state health protections
If enacted, the bill would not override any Federal, State, or local law that already gives greater or equal protections for plan enrollees. Stronger state or federal protections would stay in place and remain available to enrollees.
Sponsors & CoSponsors
Sponsor
Alsobrooks, Angela D. [D-MD]
MD • D
Cosponsors
Sen. Baldwin, Tammy [D-WI]
WI • D
Sponsored 11/20/2025
Sen. Blumenthal, Richard [D-CT]
CT • D
Sponsored 11/20/2025
Sen. Cortez Masto, Catherine [D-NV]
NV • D
Sponsored 11/20/2025
Sen. Fetterman, John [D-PA]
PA • D
Sponsored 11/20/2025
Sen. Gillibrand, Kirsten E. [D-NY]
NY • D
Sponsored 11/20/2025
Sen. King, Angus S., Jr. [I-ME]
ME • I
Sponsored 11/20/2025
Amy Klobuchar
MN • D
Sponsored 11/20/2025
Sen. Merkley, Jeff [D-OR]
OR • D
Sponsored 11/20/2025
Sen. Murray, Patty [D-WA]
WA • D
Sponsored 11/20/2025
Sen. Van Hollen, Chris [D-MD]
MD • D
Sponsored 11/20/2025
Sen. Booker, Cory A. [D-NJ]
NJ • D
Sponsored 11/20/2025
Sen. Duckworth, Tammy [D-IL]
IL • D
Sponsored 11/20/2025
Sen. Kaine, Tim [D-VA]
VA • D
Sponsored 11/20/2025
Sen. Shaheen, Jeanne [D-NH]
NH • D
Sponsored 12/16/2025
Roll Call Votes
No roll call votes available for this bill.
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