H.R. 6288 amends health insurance law to protect families who experience pregnancy loss from unexpected medical bills. The bill requires that when health plans cover pregnancy-related care as part of a bundled package price and a patient has a miscarriage or stillbirth, the insurance company cannot charge higher out-of-pocket costs for the prenatal services received before the loss. Instead, patients would pay only the cost-sharing amount they would have owed if the full pregnancy bundled payment had been made. This protection applies to both group health plans and individual health insurance policies. The requirement takes effect on January 1, 2027, and affects families experiencing miscarriage or stillbirth who use health insurance plans structured with bundled maternity payments.
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