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Insurance Coverage of Abortion Regulations

Feb 23, 2013 | AHC

UPDATED: February 23, 2013

The new federal health care law, known as the Patient Protection and Affordable Care Act, allows states to opt out of abortion coverage in the state-based insurance “exchanges” it creates. Below are the states that have enacted laws allowing for this exclusion. Also listed, are states that prohibit abortion coverage in plans outside the Exchange and policies for public employees.

Some laws provide coverage for elective abortions by the purchase of a premium known as an optional separate supplemental rider.

StateOpt out option for Plans in ExchangePlans outside ExchangeInsurance Policies for Public Employees




AlabamaCode of Ala. § 26-23C-3 (2012) Limitations: life of the mother, rape, incest.

ArizonaAriz. Rev. Stat. Ann. § 20-121 (2011)Limitations: life of the mother, substantial and irreversible health.WITH RIDER
A.R.S. § 35-196.02 (2012)Limitations: life of the mother, substantial and irreversible health
ArkansasA.C.A. § 23-79-156 (2012)Limitations: life of the mother, rape or incest.WITH RIDER

Colorado

Colo. Const. Art. V, Section 50 (2012)
FloridaFla. Stat. § 627.64995 (2012)Limitations: life of the mother, rape, incest.WITH RIDER

IdahoIdaho Code Ann. § 41-1848Limitations: life of the mother, rape, incest.Idaho Code §§ 41-2142, 2210A, 3439, 3924 (2012)Limitations: life of the mother.WITH RIDERIdaho Code §§ 41-2142, 2210A, 3439, 3924 (2012)Limitations: life of the mother.WITH RIDER
Illinois

5 ILCS 375/6 (2013)Limitations: life of the mother.WITH RIDER
IndianaBurns Ind. Code Ann. § 27-8-33-4 (2012)Limitations: life of the mother, substantial and irreversible health, rape, incest.

KansasK.S.A. § 40-2,190 (2011)Limitations: Life of the motherK.S.A. § 40-2,190 (2011)Limitations: life of the mother.WITH RIDERK.S.A. § 40-2,190 (2011)Limitations: life of the mother.
KentuckyKRS § 304.5-160 (2012)Limitations: life of the mother.WITH RIDERKRS § 304.5-160 (2012)Limitations: life of the mother.WITH RIDERKRS § 18A.225 (10) (2012)
LouisianaLa. R.S. 22:1014 (2013)Limitations: None.

MississippiMiss. Code Ann. §§ 41-41-95, 97, 99 (2011)Limitations: life of the mother, rape, incest.
Miss. Code Ann. § 41-41-91 (2012)Limitations: life, rape, incest, fetal impairment.
Missouri§ 376.805 R.S.Mo. (2012)Limitations: life of the mother.§ 376.805 R.S.Mo. (2012)Upheld Coe v. Melahn, 958 F.2d 223 (8th Cir. 1992).Limitations: life of the mother.

WITH RIDER

§ 376.805 R.S.Mo. (2012)Limitations: life of the mother.
NebraskaR.R.S. Neb. § 44-8401 to §44-8404 (2011)Limitations: life of the mother.Neb. Rev. Stat. § 44-1615.01 (Enacted 1981).Limitations: life of the mother.WITH RIDERR.R.S. Neb. § 44-1615.01 (2012)Limitations: life of the mother.WITH RIDER
North Carolina

N.C. Gen. Stat. § 143C-6-5.5 (2012)Limitations: life of the mother, rape, incest
North DakotaN.D. Cent. Code, § 14-02.3-03 (2012)Limitations: life of the mother.WITH RIDERN.D. Cent. Code, § 14-02.3-03 (2012)Limitations: life of the mother.WITH RIDERN.D. Cent. Code, § 14-02.3-03 (2012)Limitations: life of the mother.
OhioORC Ann. 3901.87 (2013)Limitations: life of the mother, rape, incest
ORC Ann. 9.04 (2013)Limitations: life of the mother—with rider
Oklahoma63 Okl. St. § 1-741.3 (2012)Limitations: life of the mother.WITH RIDER63 Okl. St. § 1-741.3 (2012)Limitations: life of the mother.WITH RIDER63 Okl. St. § 1-741.3 (2012)Limitations: life of the mother.WITH RIDER


Pennsylvania
18 Pa.C.S. § 3215 (e) (2012)Company must offer policy which doesn’t cover abortion.18 Pa.C.S. § 3215 (c), (d) (2012)Limitations: Life of mother, rape, incest.
Rhode Island
R.I. Gen. Laws § 27-18-28 (2012)Held unconstitutional in National Educ. Ass’n v. Garrahy, 779 F.2d 790 (1st Cir. 1985).R.I. Gen. Laws § 36-12-2.1 (2012)Limitations: life of the mother, rape, incest.
South CarolinaS.C. Code Laws Ann. §§ 38-71-238 (A), 38-71-238 (B)Limitations: life of the mother, rape, incest.
H.B. 4657, 118th Gen. Assem., 2nd Reg. Sess. (S.C. 2010) (Enacted 2010)Limitations: life of the mother, rape, incest, substantial and irreversible impairment of major bodily function.
South DakotaS.D. Codified Laws § 58-17-147 (2012)Limitations: life of the mother, substantial and irreversible health.

TennesseeTenn. Code Ann. § 56-26-134 (2011)Limitations: none.

UtahUtah Code Ann. § 31A-22-726 (2012)Limitations: life of the mother, substantial and irreversible health, rape, incest, fetal defect.Utah Code Ann. § 31A-22-726 (2012)Limitations: life of the mother, substantial and irreversible health, rape, incest, fetal defect.Utah Code Ann. § 31A-22-726 (2012)Limitations: life of the mother, substantial and irreversible health, rape, incest, fetal defect.
Virginia2011 Va. Acts 823Limitations: life of the mother, rape, incest.
*This law expires on July 1, 2014

Va. Dep’t of Human Resource Mgmt.,Mem. No. 96-9 (May 31, 1996); Va.Dep’t of Human Resource Mgmt.,

COVA Care Member Handbook,

(July 1, 2007) athttp://www.dhrm.virginia.gov/hbenefits/

hbhandbooks/COVAMemberHandBk2011.pdf.

Limitations: life of the mother, rape, incest, fetal defect.

WisconsinWis. Stat. Ann. § 632.8985Limitations: life of the mother, rape, incest, grave, long-lasting physical health damage.

TOTALS

21

9

16

1. The Kentucky law was enacted prior to the federal health care law but would still apply to the state exchanges.

2.The North Dakota law was enacted prior to the federal health care law but would still apply to the state exchanges.

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