Empowering Parents’ Healthcare Choices Act

HR 3910, the "Empowering Parents’ Healthcare Choices Act," allows parents to choose which health insurance policy covers their dependent child when both parents have separate health insurance policies at the child's birth. Specifically, parents must submit a joint notification within 60 days of the birth to select one policy as the primary coverage for the child. This choice continues until parents submit a joint notification to change it or until one parent loses their coverage. The bill applies only to children born on or after January 1, 2026, and affects families where both parents have separate health insurance policies covering the child.