H.R. 3910: Empowering Parents’ Healthcare Choices Act

This bill, known as the **Empowering Parents’ Healthcare Choices Act**, proposes changes to existing laws regarding health insurance for children. Its main points are as follows:

Parental Choice in Health Coverage

The bill allows parents of a dependent child to choose which parent's health insurance coverage will be considered the primary coverage for that child. This applies in cases where both parents have separate health insurance policies or group health plans that can cover the child.

Notification Process

To elect primary coverage for the child, both parents must notify their respective health insurance providers within 60 days of the child's birth. This notification must be done in a manner specified by the Secretary of Health and Human Services.

• If both parents submit the notification correctly, the chosen insurance will provide primary coverage for the child.
• This primary coverage remains effective until either of the following occurs:
• Both parents submit a new notification to discontinue the primary coverage.
• The parent whose plan is primary loses coverage under that insurance policy.

Multiple Policies

The election of primary coverage as described above will not apply if both parents apply for coverage under multiple policies for their child. In such cases, the insurance plans will not be able to choose one as the primary.

Amendments to Existing Laws

The bill amends several existing laws to incorporate these changes:

• Public Health Service Act
• Employee Retirement Income Security Act of 1974
• Internal Revenue Code of 1986

Effective Date

The changes proposed in this bill will apply to children born on or after January 1, 2026.

Relevant Companies

None found