This bill significantly expands the scope of essential health benefits under the Patient Protection and Affordable Care Act to include comprehensive prenatal, labor and delivery, neonatal, perinatal, and postpartum care and screenings. It specifically mandates coverage for services such as ultrasounds, care for spontaneous pregnancy loss, and a full range of delivery services, including anesthesiology and specialist consultations. The legislation defines "postpartum" as the entire one-year period immediately following the end of a pregnancy, ensuring extended support. Furthermore, the bill requires coverage for non-preventive postpartum care, encompassing behavioral health services for conditions exacerbated by pregnancy, such as diabetes, hypertension, and obesity. Importantly, it also extends behavioral health services to legal parents of a new child who do not physically give birth, covering them for one year after the child's birth. These expanded benefits are intended to be applied retroactively as if part of the original Affordable Care Act. A crucial provision of this bill is the prohibition of any cost-sharing requirements for these newly expanded maternal and newborn health care benefits. Group health plans and health insurance issuers, whether offering group or individual coverage, are explicitly forbidden from imposing deductibles, copayments, or coinsurance for these services. This ensures that comprehensive prenatal, childbirth, neonatal, perinatal, and postpartum care is fully accessible without financial barriers for plan years beginning on or after the bill's enactment.