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Proposed Law Would End Health Insurance 'Birthday Rule' That Snags New Parents


For Charlie Kjelshus, the birthday rule meant that dad Mikkel s plan ― with a high deductible and coinsurance obligation ― was deemed her primary coverage after her stay as a newborn in the neonatal intensive care unit. Mom Kayla s more generous pla
Christopher Smith for Kaiser Health News
For Charlie Kjelshus, the birthday rule meant that dad Mikkel s plan ― with a high deductible and coinsurance obligation ― was deemed her primary coverage after her stay as a newborn in the neonatal intensive care unit. Mom Kayla s more generous pla
Christopher Smith for Kaiser Health News
Mikkel and Kayla Kjelshus daughter, Charlie, had a complication during delivery that caused her oxygen levels to drop and put her at risk for brain damage. Charlie needed seven days of neonatal intensive care, which resulted in a huge bill $207,455 f ....

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Bye-Bye to Health Insurance 'Birthday Rule'? Kansas Lawmaker Floats Fix


Jul 28, 2021
When Kayla Kjelshus gave birth to her first child, the infant spent seven days in the neonatal intensive care unit, known as the NICU. This stressful medical experience was followed by an equally stressful financial one. Because of an obscure health insurance policy called the “birthday rule,” Kjelshus and her husband, Mikkel, were hit with an unexpected charge of more than $200,000 for the NICU stay.
Now, seven months after KHN and NPR published a story about the Kjelshus family’s experience, new parents may be spared this kind of financial uncertainty if lawmakers pass a bill that would give parents more control when it’s time to pick a health insurance policy for their child. ....

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