The Caring for Mothers Act of 2025 requires health insurance plans to provide coverage for women who are pregnant or recently gave birth and are placing their newborns for adoption. When someone already enrolled in a health plan adopts a child from such a woman, they can request that the biological mother be added to their insurance to receive pregnancy-related care, postpartum care, and mental health services. The covered mother's eligibility lasts up to one year after the child's birth or until either party requests termination. The bill applies to group health plans and individual insurance policies and takes effect for plan years beginning January 1, 2026. No penalties apply if an adoption does not ultimately occur.
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