Healthy MOM Act

S 3509, the Healthy MOM Act, creates a special enrollment period for pregnant individuals in health insurance plans, allowing them to enroll when they report their pregnancy to their insurer or healthcare provider (effective for plan years after December 2024). It requires group health plans and insurers to cover maternity care - including pregnancy, childbirth, and postpartum services - for all dependents, regardless of age. The bill also mandates 12-month continuous Medicaid and CHIP coverage for pregnant and postpartum individuals (starting in 2025), replacing shorter coverage periods. This directly affects pregnant individuals, their dependents, health insurers, and Medicaid/CHIP programs by expanding access to timely coverage and mandated maternity benefits.