H.R. 6288: Caring for Grieving Families Act of 2025

The Caring for Grieving Families Act of 2025 proposes changes to health insurance policies regarding prenatal services when complications such as miscarriage or stillbirth occur. Here are the key points of the bill:

Limiting Cost Sharing for Prenatal Services

The bill aims to limit the out-of-pocket costs that individuals may have to pay when they receive prenatal care in the event of a miscarriage or stillbirth.

• If a health insurance plan is structured as a bundled payment that covers prenatal services (such as imaging tests and office visits) along with the costs associated with childbirth, and if a miscarriage or stillbirth occurs, the following would apply:
• The health plan cannot impose higher out-of-pocket payments (like deductibles, coinsurance, or copayments) than what would have been charged if the pregnancy had continued as normal.
• This means individuals would not face increased financial burden for prenatal services received before the miscarriage or stillbirth, which could alleviate some stress during a difficult time.

Effective Date

The provisions outlined in this bill would take effect for health insurance plans starting on or after January 1, 2027.

Relevant Companies

• None found