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Alabama

Insurance Prohibition for Abortion

Does Alabama prohibit private insurance plans from covering abortion services? Yes, in the state exchange.  Health-insurance policies offered in the new state exchange established under health-care reform may not include abortion coverage, with exceptions only to save a woman's life, or if the pregnancy is the result of rape or incest. S.B. 10, 2012 Reg. Sess. (Ala. 2012).

Does Alabama prohibit plans in its state exchange from covering abortion services?
Yes.  Health-insurance policies offered in the new state exchange established under health-care reform may not include abortion coverage, with exceptions only to save a woman's life, or if the pregnancy is the result of rape or incest. S.B. 10, 2012 Reg. Sess. (Ala. 2012).

Does Alabama prohibit insurance plans for public employees from covering abortion services?
No.  

Does Alabama prohibit the purchase of extra coverage for abortion services?
No.  Nothing in the law prohibits the purchase of abortion coverage through an optional rider; in theory, women may purchase a separate policy and pay an extra premium to receive abortion coverage.  However, nothing in the act requires an insurer to make such riders available and there is little evidence that insurers offer these products. S.B. 10, 2012 Reg. Sess. (Ala. 2012).


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