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Insurance Prohibition for Abortion

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What are bans on insurance coverage for abortion, and how do they restrict women's privacy and choices?

Anti-choice state and federal legislators have enacted laws that prohibit insurance companies from covering abortion services or require women to purchase a separate policy and pay an extra premium to receive abortion coverage. Offering women the “option” to pay extra for supplemental abortion coverage, often known as a rider, is a false promise because no one plans for an unplanned pregnancy, and furthermore, there is no evidence that such separate abortion policies exist. These prohibitions can be especially damaging because their existence often isn’t known until a woman needs coverage that she assumes is already included in her health plan.

Current State Laws

28 states prohibit insurance plans from covering abortion services for all or some residents of the state: AL, AZ, AR, CO, FL, GA, ID, IL, IN, KS, KY, LA, MA, MS, MO, NE, NC, ND, OH, OK, PA, RI, SC, SD, TN, UT, VA, WI.

  • 9 states prohibit abortion coverage in the entire private insurance market: ID, KS, KY, MO, NE, ND, OK, RI, UT.
  • 21 states expressly prohibit abortion coverage in state insurance exchanges: AL, AZ, AR, FL, ID, IN, KS, LA, MS, MO, NE, NC, OH, OK, PA, SC, SD, TN, UT, VA, WI.
  • 16 states prohibit abortion coverage for public employees: AZ, AR, CO, IL, KS, KY, GA, MA, MS, NE, NC, OH, PA, RI, SC, VA.

2013 Enacted State Legislation

3 states enacted 3 laws prohibiting abortion coverage in state insurance exchanges: AR, NC, PA.

3 states enacted 3 measures prohibiting abortion coverage for public employees: GA, NC, SC.


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