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No Surprise Bills for New Moms Act
To amend the Public Health Service Act, the Employee Retirement Income Security Act of 1974, and the Internal Revenue Code of 1986 to provide for certain health coverage of newborns.
Summary
- Requires group health plans and health insurance issuers to provide automatic coverage to newborns for 30 days after birth for any service covered under the plan.
- Requires plans to establish a special enrollment period of at least 60 days following the initial 30-day period to allow parents to permanently enroll the newborn.
- Requires plans and issuers to immediately notify parents if they receive a claim for a newborn who is not enrolled in the plan or coverage.
- Applies these requirements to all group health plans and health insurance coverage under federal law.
- Becomes effective for plan years beginning on or after the bill's enactment.
AI-generated plain-language summary of the bill text — neutral, and may be imperfect. See the full text below for the exact wording.
Sponsor (1)
3 cosponsors
Actions (2)
- Jul 30, 2026 Referred to the Committee on Energy and Commerce, and in addition to the Committees on Education and Workforce, and Ways and Means, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned. · house
- Jul 30, 2026 Introduced in House
Text versions (1)
Bills are re-published as they move (Introduced → Reported → Engrossed → Enrolled …). Each stage below is a separate text; pick two to see what changed. Data from Congress.gov.
Full text
IN THE HOUSE OF REPRESENTATIVES
July 30, 2026
Mr. Nadler (for himself, Mrs. Hinson, Ms. Barragan, and Mr. Fitzpatrick) introduced the following bill; which was referred to the Committee on Energy and Commerce, and in addition to the Committees on Education and Workforce, and Ways and Means, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned
A BILL
To amend the Public Health Service Act, the Employee Retirement Income Security Act of 1974, and the Internal Revenue Code of 1986 to provide for certain health coverage of newborns.
Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled,
SECTION 1. SHORT TITLE.
This Act may be cited as the “No Surprise Bills for New Moms Act”.
SEC. 2. PROVIDING FOR CERTAIN HEALTH COVERAGE OF NEWBORNS.
(a) PHSA Amendments.—Section 2725 of the Public Health Service Act (42 U.S.C. 300gg-25) is amended—
(1) by redesignating subsections (d) through (f) as subsections (e) through (g), respectively;
(2) in subsection (b)—
(A) in paragraph (1), by inserting “(or, in the case of subsection (d), the parent or newborn child of such parent)” after “mother or her newborn child”; and
(B) in paragraph (2), by inserting “(or, in the case of subsection (d), parents)” after each occurrence of “mothers”;
(3) by inserting after subsection (c) the following:
“(d) Newborn Coverage.—A group health plan, and a health insurance issuer offering group or individual health insurance coverage, shall, in the case of a parent who is a participant or beneficiary in the plan or coverage—
“(1) provide coverage to a newborn of such parent for a 30-day period after the date of the birth of such newborn for any service for which coverage is otherwise provided under such plan or coverage;
“(2) provide for a special enrollment period to enroll such newborn in the plan or coverage during at least the 60-day period following the period specified in paragraph (1); and
“(3) in the case that such plan or coverage receives a claim for items and services furnished to such newborn of such participant or beneficiary and such newborn is not enrolled under such plan or coverage, provide immediate notification to the participant or beneficiary that such newborn is not so enrolled.”; and
(4) in subsection (g)(1), as redesignated by paragraph (1), by inserting “(other than subsection (d))” after “this section”.
(b) ERISA Amendments.—Section 711 of the Employee Retirement Income Security Act of 1974 (29 U.S.C. 1185) is amended—
(1) by redesignating subsections (d) through (f) as subsections (e) through (g), respectively;
(2) in subsection (b)—
(A) in paragraph (1), by inserting “(or, in the case of subsection (d), the parent or newborn child of such parent)” after “mother or her newborn child”; and
(B) in paragraph (2), by inserting “(or, in the case of subsection (d), parents)” after each occurrence of “mothers”;
(3) by inserting after subsection (c) the following:
“(d) Newborn Coverage.—A group health plan, and a health insurance issuer offering group health insurance coverage, shall, in the case of a parent who is a participant or beneficiary in the plan or coverage—
“(1) provide coverage to a newborn of such parent for a 30-day period after the date of the birth of such newborn for any service for which coverage is otherwise provided under such plan or coverage;
“(2) provide for a special enrollment period to enroll such newborn in the plan or coverage during at least the 60-day period following the period specified in paragraph (1); and
“(3) in the case that such plan or coverage receives a claim for items and services furnished to such newborn of such participant or beneficiary and such newborn is not enrolled under such plan or coverage, provide immediate notification to the participant or beneficiary that such newborn is not so enrolled.”; and
(4) in subsection (g)(1), as redesignated by paragraph (1), by inserting “(other than subsection (d))” after “this section”.
(c) IRC Amendments.—Section 9811 of the Internal Revenue Code of 1986 is amended—
(1) by redesignating subsections (d) and (e) as subsections
(e) and (f), respectively;
(2) in subsection (b)—
(A) in paragraph (1), by inserting “(or, in the case of subsection (d), the parent or newborn child of such parent)” after “mother or her newborn child”; and
(B) in paragraph (2), by inserting “(or, in the case of subsection (d), parents)” after each occurrence of “mothers”;
(3) by inserting after subsection (c) the following:
“(d) Newborn Coverage.—A group health plan shall, in the case of a parent who is a participant or beneficiary in the plan—
“(1) provide coverage to a newborn of such parent for a 30-day period after the date of the birth of such newborn for any service for which coverage is otherwise provided under such plan;
“(2) provide for a special enrollment period to enroll such newborn in the plan during at least the 60-day period following the period specified in paragraph (1); and
“(3) in the case that such plan receives a claim for items and services furnished to such newborn of such participant or beneficiary and such newborn is not enrolled under such plan, provide immediate notification to the participant or beneficiary that such newborn is not so enrolled.”; and
(4) in the matter preceding paragraph (1) of subsection
(f), as redesignated by paragraph (1), by inserting “(other than subsection (d))” after “this section”.
(d) Effective Date.—The amendments made by this section shall apply with respect to plan years beginning on or after the date of the enactment of this Act. <all>
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