Bill > HR3910

This bill provides a mechanism for parents to choose which of their separate health insurance policies or group health plans will serve as the primary coverage for a dependent child when both parents have health insurance at the time of the child's birth. Specifically, if both parents are covered under different health insurance policies or group health plans that would cover the child, they can jointly submit a notification within 60 days of the child's birth to designate which policy or plan will be the primary coverage. This primary coverage will continue until either parent elects to discontinue it or loses coverage under their respective plan. The bill applies to the Public Health Service Act, the Employee Retirement Income Security Act, and the Internal Revenue Code, ensuring consistent treatment across different healthcare regulatory frameworks. Importantly, this provision does not apply if parents attempt to submit notifications for multiple policies or plans, which is intended to prevent duplicate or conflicting primary coverage. The amendments will take effect for children born on or after January 1, 2026, giving health insurers and employers time to adapt to the new requirements.

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https://www.congress.gov/bill/119th-congress/house-bill/3910/all-info