These new health care laws are coming to Pa., N.J. and Del. in 2025

Abortion insurance coverage

A new law requires most private health insurance plans, state-regulated plans and Delaware’s Medicaid insurance program to cover abortions and related health care.

Health insurers are required to cover up to $750 for abortion services, which state lawmakers said should fully cover the cost of care for most patients.

There is an exemption for churches, religious businesses and employers to seek a waiver from the new requirements.

Insurance coverage for abortion begins Jan. 1 for people enrolled in Medicaid. Coverage for people with other types of health insurance plans will begin the following year, on Jan. 1, 2026.

New Jersey

Medical debt consumer protections

Parts of the Louisa Carman Medical Debt Relief Act already took effect this past summer, and more consumer protections are scheduled to kick in this coming July.

Right now, people in New Jersey who have unpaid bills and debt from hospital stays, health procedures and other kinds of care will not see their credit scores impacted as they figure out how to pay off their debt or dispute charges.

“Medical debt is incurred involuntarily, and it can result in exponential economic harms,” said Laura Waddell, health care program director at New Jersey Citizen Action. “So it wasn’t like, ‘Should we work on this?’ It was, ‘We have to work on this.’”

Debt collectors can no longer report a person’s medical debt to credit bureaus and agencies, which determine a person’s credit score. If someone’s score drops because of their medical debt, they may find it more difficult to secure a car loan, get approved for an apartment rental, apply for credit cards and even get a job.

If a bill collector does report a person’s medical debt to a credit bureau or agency in violation of the new state law, the amount of debt that is reported is voided, meaning, the patient will no longer have to pay it.

Beginning this July, all notices to patients about medical debt and billing must also notify them of their rights and new consumer protections. Interest on medical debt will be capped at 3% and debt collectors will be banned from using wage garnishment — when a portion of a person’s paycheck is withheld to pay off debt — for people earning up to 600% of the Federal Poverty Level, which is about $90,360 a year for a single person, or $187,200 for a family of four.

Waddell said the new consumer protections may not apply to people who are using medical credit cards to pay for services, copays and other charges (these are different from debit cards used for Health Savings Accounts).

Efforts to reduce the burdens of medical debt and regulate collection practices even more is ongoing, Waddell said.

“In the coming year, we want to try to bring more protections so that these aggressive debt collection practices, really try and curb some of those,” she said.

Postpartum health care planning

Later this spring, health care providers will be required to make a care plan with pregnant patients and new mothers for the postpartum period, which is a time after when women can experience complications after labor and delivery.

These postpartum care plans must include the review of future health care appointments; recommended testing or procedures for any ongoing health issues; guidance on the signs and symptoms of postpartum depression, anxiety and other mental health needs; breastfeeding support services; contraception options; and recommendations for other common postpartum health issues.

Plans and guidance must also be offered to patients who’ve experienced stillbirth and pregnancy loss.