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Florida

Insurance Prohibition for Abortion

Does Florida 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 if purchased in whole or in part with any state or federal funds, with exceptions only to save a woman's life or if the pregnancy is the result of rape or incest.  Plans are considered to be purchased with state or federal funds if any tax credit or cost-sharing credit is applied toward the policy. H.B. 97, 113th Leg. (Fla. 2011) (Enacted 2011) (to be codified at Fla. Stat. Ann. §627.64995, 627.66996, and 641.31099).

Does Florida 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 if purchased in whole or in part with any state or federal funds, with exceptions only to save a woman's life or if the pregnancy is the result of rape or incest.  Plans are considered to be purchased with state or federal funds if any tax credit or cost-sharing credit is applied toward the policy. H.B. 97, 113th Leg. (Fla. 2011) (Enacted 2011) (to be codified at Fla. Stat. Ann. §627.64995, 627.66996, and 641.31099).

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

Does Florida 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 law requires an insurer to make such riders available and there is little evidence that insurers offer these products. H.B. 97, 113th Leg. (Fla. 2011) (Enacted 2011) (to be codified at Fla. Stat. Ann. §627.64995, 627.66996, and 641.31099).


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