The Supporting Healthy Moms and Babies Act eliminates all out-of-pocket costs for pregnant people and new mothers by requiring health insurance plans to cover prenatal care, labor and delivery, neonatal care, and postpartum services without any cost-sharing (deductibles, copayments, or coinsurance). The bill expands the definition of covered maternity services to include ultrasounds, miscarriage care, delivery-related services, behavioral health treatment for pregnancy-related conditions, and mental health support for non-birthing parents during the first year after birth. The law applies to all group health plans and both individual and group insurance policies across public health programs, employer-sponsored plans, and the private insurance market. The requirements take effect for plan years beginning on or after the bill's enactment date, with no specified additional federal funding required since it modifies existing insurance coverage mandates under the Affordable Care Act.
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