The U.S. departments of Labor, Health and Human Services, and the Treasury have finalized with minor changes a 1998 interim final rule implementing certain provisions of the Newborns’ and Mothers’ Health Protection Act of 1996. Under the Act, health insurers may not restrict a mother or newborn’s hospital stay to less than 48 hours after a vaginal delivery or 96 hours after a cesarean delivery. The final rule applies to group and individual health insurance for coverage beginning Jan. 1.