Abortion Insurance Coverage: What You Need to Know

Abortion is a controversial issue that has been debated for decades. While some believe that it is a woman’s right to choose, others believe that it is a violation of the sanctity of life. One thing that is often overlooked, however, is the availability of abortion insurance coverage. This article will explore the current state of abortion insurance coverage, its implications, and what you need to know if you are considering an abortion.

What is Abortion Insurance Coverage?

Abortion insurance coverage refers to the inclusion of abortion services in a health insurance plan. This means that if a woman needs an abortion, she can use her insurance to cover some or all of the costs associated with the procedure. However, not all insurance plans include coverage for abortion.

Currently, there is no federal law requiring insurance plans to cover abortion. However, some states have passed laws requiring insurers to cover abortion under certain circumstances. For example, California, Connecticut, Hawaii, Maryland, New York, Oregon, and Washington require plans to cover abortion as part of essential health benefits. In other states, insurers may choose whether or not to cover abortion.

It is important to note that even if an insurance plan includes abortion coverage, there may still be restrictions or limitations on coverage. For example, some plans may only cover abortions that are medically necessary or if the woman’s life is in danger. Others may require a co-payment or deductible for the procedure.

The Implications of Abortion Insurance Coverage

The availability of abortion insurance coverage has implications for both women and insurers. For women, it means that they have more options when it comes to accessing abortion services. Without insurance coverage, the cost of an abortion can be prohibitively expensive, especially for women who are already facing financial difficulties.

For insurers, providing abortion coverage can be a contentious issue. Some insurers may not want to offer coverage for moral or religious reasons. Others may be concerned about the potential cost of providing coverage. However, there is evidence to suggest that providing abortion coverage can actually save insurers money in the long run.

The Cost Savings of Abortion Coverage

One study found that providing abortion coverage can result in cost savings for insurers. This is because the cost of an abortion is significantly less than the cost of carrying a pregnancy to term and giving birth. In fact, the study found that insurers in states that require abortion coverage actually spent less on pregnancy-related care overall.

Another study found that when Texas cut off Medicaid funding for Planned Parenthood, the number of births paid for by Medicaid increased. This suggests that when women are unable to access abortion services, they may be more likely to carry an unwanted pregnancy to term, which can result in increased costs for insurers.

What You Need to Know if You are Considering an Abortion

If you are considering an abortion, it is important to know whether or not your insurance plan includes abortion coverage. You can check your plan documents or contact your insurance provider to find out. If your plan does not include abortion coverage, you may be able to purchase a separate abortion insurance policy.

If you are unable to access abortion services through your insurance plan or cannot afford to pay for the procedure out of pocket, there are resources available to help. Planned Parenthood, for example, offers low-cost or free abortion services to women who qualify.

Abortion FAQ

Is abortion legal?
Yes, abortion is legal in the United States.
What is the difference between a medical abortion and a surgical abortion?
A medical abortion involves taking medication to end a pregnancy, while a surgical abortion involves a procedure to remove the pregnancy from the uterus.
Is abortion safe?
Abortion is generally considered to be a safe procedure when performed by a trained medical professional.
How can I find a reputable abortion provider?
You can search for abortion providers in your area through the National Abortion Federation or Planned Parenthood.
What should I expect during an abortion?
The specifics of the procedure depend on whether you are having a medical or surgical abortion. Your healthcare provider will provide you with detailed information on what to expect.


Abortion insurance coverage is an important issue that affects women across the country. While some states require insurers to cover abortion as part of essential health benefits, not all insurance plans include abortion coverage. It is important for women to know whether or not their insurance plan includes coverage for abortion, and to know what resources are available if they are unable to access abortion services through their insurance plan.