The Healthy MOM Act expands health insurance coverage and access for pregnant individuals and new mothers by creating special enrollment periods that allow pregnant people to sign up for health insurance outside normal enrollment windows, with coverage beginning when pregnancy is reported to their insurer or confirmed by a healthcare provider. The bill affects pregnant individuals in group health plans, individual insurance markets, and federal employee health plans, as well as pregnant dependents who must now be covered for maternity care regardless of age. The legislation also strengthens Medicaid and CHIP protections by requiring states to provide continuous 12-month coverage for pregnant individuals and postpartum care, and preserves income eligibility standards for pregnant women and infants on Medicaid. Most provisions take effect for plan years beginning after December 31, 2024, with the Medicaid and CHIP requirements effective one year after enactment, allowing states time to implement necessary changes. The bill does not specify new federal funding allocations but requires the Secretary of Health and Human Services and the Office of Personnel Management to issue implementing regulations.
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