The Trump Administration Wants Health Insurance Companies to Drop Abortion Coverage from Your Insurance Plan
From denying access to abortion for unaccompanied immigrant minors, to gutting the Title X family planning program, to trying to roll back the Affordable Care Act’s requirement that employers and universities cover contraception in their health plans, the Trump administration has spent the last three years waging an unrelenting, targeted campaign against reproductive freedom. And the administration does not appear to be losing steam. Indeed, just last month, Donald Trump became the to address the annual anti-abortion march in D.C.
Well, we aren’t losing steam either. We have sued the administration time and time again over its policies, including those detailed above. Today, we filed a lawsuit challenging the administration’s latest (and possibly most under-reported) attempt to undermine reproductive rights to date: a new rule that would push abortion further out of reach for millions of people across the country by coercing insurance companies to drop abortion coverage from individual insurance plans.
In late December 2019, the administration released that would force insurance companies that sell plans in the Affordable Care Act individual marketplaces to separately bill — and instruct customers to separately pay – for coverage of abortion services. This means insurance companies will have to send two separate bills to each customer — one for the coverage of abortion care, and another for coverage of all other health care. They will also have to instruct their customers to pay the bills using two separate transactions. In other words, each consumer will have to send two checks or two money orders, or complete two separate online transactions.
This rule isn’t just about creating more bureaucratic red tape for the sake of it. Making it more complicated and costlier for insurance companies to cover abortion will have very real and devastating effects on the availability and affordability of health insurance (and, by extension, health care) for 3 million consumers across the country. This includes our four brave consumer clients: Rebecca, a small business owner in D.C.; Kirsty, a barista in Maryland; Mariel, a waitress and grad student in New Jersey; and Tanja, an artist in Maine.
Like many other consumers across the country, Rebecca, Kirsty, and Mariel all live in states that do not require insurers to cover abortion in individual plans sold on the marketplaces, which means that the rule could cause their insurers to drop abortion coverage from their plans altogether. If they lose coverage and need access to abortion, they will be forced to find a way to pay out-of-pocket for that care, which can cost hundreds of dollars or more.
Our fourth client Tanja knows this all too well. She lives in a state that requires insurers to provide abortion coverage, but when she needed an abortion a few years ago, she was forced to travel out of state, and her insurance would not cover her abortion. As a result, she had to pay for the entire procedure out-of-pocket, using up nearly all of the remaining balance she had on her credit card. While she was able to scrounge up the necessary financial resources at the time, she joined our lawsuit to fight the Trump administration because she knows just how burdensome (and, for some, impossible) it can be to have to figure out how to pay for an abortion on top of navigating the myriad other barriers to accessing care.
Even if Rebecca, Kirsty and Mariel are able to retain their abortion coverage, they, alongside Tanja, are worried about their ability to afford any rule-related increases in their premiums. For Mariel, who makes only slightly more than the maximum income eligible to qualify for Medicaid and is barely able to afford her premium payments now, even a small increase could force her to switch to a plan with a higher deductible and less coverage. This is not an unfounded concern: HHS has acknowledged that the rule will lead to increases in consumer premiums of up to one percent annually.
Our clients are also worried about the confusing new separate billing and payment requirements under the rule, which could put them at risk of losing their insurance coverage entirely as a result of accidental non-payment — yet another consequence the Trump administration acknowledged when they issued this policy. Any resulting coverage lapse would take a particularly catastrophic toll on consumers like Rebecca and Kirsty, who have pre-existing medical conditions that require consistent access to health care. And, like many of this administration’s policies, the new requirements will hit already marginalized groups the hardest, including people with disabilities and with limited English proficiency who may already struggle to navigate the health care system.
The Trump administration’s rule is just another attempt drive up the costs and burdens associated with accessing abortion to prevent people — especially those with the fewest resources — from obtaining abortion care. We will not stand by and watch as millions of consumers across the country have their health care needs trampled by the administration’s anti-abortion agenda. Alongside our brave clients, we will fight for every individual’s right to safe, affordable, comprehensive reproductive health care, including abortion.
Learn More About the Issues on This Page
-
Press ReleaseDec 2024
Reproductive Freedom
Planned Parenthood Files Lawsuit to Restore Abortion Access, on Heels of Voters Approving Right to Reproductive Freedom InitiativePlanned Parenthood Files Lawsuit to Restore Abortion Access, on Heels of Voters Approving Right to Reproductive Freedom Initiative
KANSAS CITY — Following the passage of Amendment 3, the Right to Reproductive Freedom Initiative, Missouri’s two Planned Parenthood providers filed suit to restore abortion access in the state. The lawsuit seeks to enjoin Missouri’s numerous abortion bans and countless burdensome, medically unnecessary restrictions on abortion that do not improve care or protect patient health. Missouri will be the first state with a post-Dobbs total abortion ban to approve and implement a state constitutional amendment making abortion a fundamental right. The lawsuit was filed by Comprehensive Health of Planned Parenthood Great Plains and Planned Parenthood Great Rivers, represented by Planned Parenthood Federation of America, the ACLU of Missouri, and the American Civil Liberties Union. In the lawsuit, reproductive health care providers seek to block a number of state laws that are now in conflict with the Missouri Constitution. The lawsuit, which was filed in the 16th Circuit Court of Jackson County, requests a preliminary injunction blocking the enforcement of some of the restrictions while the case proceeds, including: Multiple outright abortion bans, including: The first total abortion ban triggered by the Dobbs decision Cascading gestational age bans Bans that stigmatize and limit abortion care based on a patient’s reason for having an abortion TRAP laws that unfairly target abortion providers, including: Unnecessary facility requirements Hospital admitting privileges requirements Biased and medically inaccurate counseling requirements Forced delay periods that require patients to make multiple trips to a clinic for care A ban on the delivery of medication abortion by telemedicine A physician-only law that prevents qualified medical professionals from providing abortion care Criminal penalties for abortion providers If the requested preliminary relief is granted, Planned Parenthood’s health centers would be able to begin providing abortion in Missouri once more — restoring access to this constitutionally protected health care. "Missourians have spoken and we're ready to deliver," said Emily Wales, president and CEO of Comprehensive Health of Planned Parenthood Great Plains. "There are many restrictions to challenge before access can be fully realized, but we're proud to continue this fight to make sure everyone in this state can have the safe, legal abortion care they deserve. And soon, when Missourians ask where they can get care, we’ll have a simple answer: right here at home." “Missourians have voted to build meaningful abortion access in their state, and our lawsuit is the next step toward that goal. Our patients and their access to the care they need have long been our north star; we see how abortion bans, TRAP laws, and political attacks have blocked them from care for far too long, said Richard Muniz, interim President and CEO of Planned Parenthood Great Rivers. “Our organization was the last abortion provider in the state before the Dobbs decision, which then forced patients to take on the additional burden of traveling out of Missouri to see our providers in Illinois — where abortion is legal, safe, and free of excessive barriers. Our patients deserve every right to control their bodies, lives, and futures — and soon, they won’t have to cross state lines to do so. We are ready to provide safe, legal abortion in Missouri again.” “With this lawsuit, we are continuing the work of rebuilding abortion access in Missouri,” said Alexis McGill Johnson, president and CEO of Planned Parenthood Federation of America. “Missourians have lived under layers of abortion restrictions for decades, including abortion bans that disproportionately endangered Black and Latino people in the state. Now is the time to peel those layers back and ensure that Missourians can make reproductive health decisions without politicians getting in the way. Planned Parenthood Federation of America is proud to fight alongside our affiliates in restoring abortion access, and we will continue to push for reproductive freedom for all Missourians.” The case, Comprehensive Health of Planned Parenthood Great Plains and Planned Parenthood Great Rivers v. State of Missouri, was brought within 24 hours of Missouri voters passing the Right to Reproductive Freedom Initiative, which appeared as Amendment 3 on the 2024 General Election ballot. The amendment creates and protects the fundamental right to reproductive freedom, which is the right to make and carry out decisions about all matters relating to reproductive health care, including prenatal care, childbirth, postpartum care, birth control, abortion care, miscarriage care, and respectful birthing conditions. “Yesterday, Missourians voted to end Missouri’s abortion ban and protect reproductive freedom. Today’s lawsuit is the next step to fulfill the promise of the amendment,” said Tori Schafer, Director of Policy and Campaigns at the ACLU of Missouri. “This is a testament to all of the people who joined our grassroots coalition of organizations and volunteers, who tirelessly collected signatures, phone banked, and knocked on doors to give Missourians the opportunity to pass Amendment 3 at the ballot box.” Following the United States Supreme Court’s decision in Dobbs v. Jackson Women’s Health Organization, which overturned Roe v. Wade, Missouri became the first state to enforce a total abortion ban, with no exceptions for rape, incest, or the woman’s health. However, a web of medically unnecessary restrictions, like a mandated 72-hour waiting period, invasive and unnecessary pelvic exams, and hospital-like facility requirements, had severely limited access to abortion in the state even before the Dobbs decision. For years Missouri had only three health centers in the state providing abortion care until unnecessary restrictions became too cumbersome, leaving just one health center at Planned Parenthood Great Rivers in St. Louis to provide abortion care from 2018 until the Dobbs decision triggered Missouri’s abortion ban. Read the full petition. -
MissouriDec 2024
Reproductive Freedom
Comprehensive Health of Planned Parenthood Great Plains & Planned Parenthood Great Rivers v. MissouriComprehensive Health of Planned Parenthood Great Plains & Planned Parenthood Great Rivers v. Missouri
The ACLU, ACLU of Missouri, and Planned Parenthood Federation of America are representing Missouri’s two Planned Parenthood providers. Following the passage of Amendment 3, the Right to Reproductive Freedom Initiative, Comprehensive Health of Planned Parenthood Great Plains and Planned Parenthood Great Rivers, filed suit to restore abortion access in the state. The suit seeks to enjoin Missouri’s numerous abortion bans and countless burdensome, medically unnecessary restrictions on abortion that do not improve care or protect patient health. If the requested preliminary relief is granted, Planned Parenthood’s health centers would be able to begin providing abortion in Missouri once more — restoring access to this constitutionally protected health care. -
Press ReleaseDec 2024
Reproductive Freedom
Federal Appeals Court Affirms Decision Blocking Enforcement of Idaho Attorney General’s Prohibition on Out-Of-State Abortion ReferralsFederal Appeals Court Affirms Decision Blocking Enforcement of Idaho Attorney General’s Prohibition on Out-Of-State Abortion Referrals
BOISE, Idaho — Yesterday, the U.S. Court of Appeals for the Ninth Circuit affirmed a federal district court decision blocking enforcement of a 2023 legal opinion, issued by Idaho Attorney General Raúl Labrador, that claimed Idaho’s abortion ban prohibits health care providers from referring patients for abortions out of state. The lower court’s preliminary injunction, issued in August 2023, protects health care providers so they can continue to offer comprehensive counseling and assistance to their patients without fear of being penalized by the attorney general for providing information about health care that is legal in other states. The Ninth Circuit also held that the health care providers were likely to succeed on their claim that the attorney general’s interpretation of the state’s abortion ban violates their First Amendment rights to communicate with their patients about abortion. In states like Idaho with total abortion bans, referrals are a critical tool for providers to help patients access a full range of essential care, and a lifeline for patients who need abortion care. This is particularly true in Idaho, where the attorney general has fought to limit emergency care for pregnant patients facing complications and where OB-GYNs are fleeing the state because of fears of being penalized. Joint statement from Planned Parenthood Great Northwest, Hawai’i, Alaska, Indiana, Kentucky; Planned Parenthood Federation of America; ACLU of Idaho; and ACLU: “With this ruling, the Ninth Circuit affirmed what we have said all along: that Attorney General Labrador’s opinion poses a clear threat to Idahoans’ health, their lives, and their freedom. Preventing health care providers from serving as trusted resources for patients would endanger Idahoans and recklessly encroach on their rights. Providers shouldn’t face the threat of punishment for helping their patients obtain the abortion care they need in states where abortion is legal. “While we are relieved that this decision keeps this harmful interpretation enjoined, we know these egregious efforts to limit Idahoans’ freedom won’t stop here. We will continue to fight for every Idahoan’s freedom to make reproductive health decisions, without unqualified politicians interfering with their care.” The Ninth Circuit’s opinion comes after the Idaho attorney general appealed an August 2023 federal district court ruling which said that his interpretation of Idaho’s ban infringes on health care providers’ First Amendment right to refer their patients for abortion care. Health care providers’ inability to provide crucial medical information while the motion was pending put Idahoans in need of this vital information at risk. Under the terms of the preliminary injunction, Idaho’s attorney general cannot sanction or prosecute health care providers for referring, counseling about, or otherwise offering information to patients who seek abortion outside of Idaho’s borders. This lawsuit, Planned Parenthood Great Northwest, Hawai’i, Alaska, Indiana, Kentucky v. Labrador, was filed by attorneys from Planned Parenthood Federation of America, the ACLU, the ACLU of Idaho, and the law firms Wilmer Cutler Pickering Hale and Dorr LLP, Bartlett & French LLP, and Stris & Maher LLP on behalf of PPGNHAIK, Dr. Caitlin Gustafson, and Dr. Darin L. Weyhrich. The complaint and brief in support of their request for immediate relief are available to view. Attorneys also filed declarations from PPGNHAIK CEO Rebecca Gibron, Dr. Gustafson, and Dr. Weyhrich. -
Press ReleaseDec 2024
Reproductive Freedom
Arizona Health Care Providers File Lawsuit Challenging Abortion Ban and Resume Providing Care Across the StateArizona Health Care Providers File Lawsuit Challenging Abortion Ban and Resume Providing Care Across the State
PHOENIX — Arizona health care providers filed a lawsuit today challenging a ban on abortion after 15 weeks of pregnancy, which is in violation of the state’s new constitutional amendment protecting the fundamental right to abortion. Arizona Attorney General Kris Mayes and providers have signed a stipulation stating that the ban is unconstitutional and that the state will not enforce the ban until 30 days after final resolution of the litigation, which has allowed doctors across the state to begin providing abortion care after 15 weeks of pregnancy once again beginning today. The case, filed in Maricopa County Superior Court, asserts that the ban is unconstitutional because it denies Arizonans access to abortion care in violation of the new constitutional amendment passed by the voters. Last month, voters overwhelmingly approved Proposition 139, the Arizona Abortion Access Act, putting the power to decide whether to end a pregnancy back in the hands of Arizonans. Following the vote, the amendment was certified and officially added to the state constitution on November 25. The case was brought by Dr. Eric M. Reuss, M.D., M.P.H., Dr. Paul A. Isaacson, M.D., and Planned Parenthood Arizona, Inc., represented by the American Civil Liberties Union, the ACLU of Arizona, Planned Parenthood Federation of America, the Center for Reproductive Rights, and Perkins Coie LLP. Statement from Dr. Eric M. Reuss, M.D., M.P.H., obstetrician and gynecologist, Scottsdale Obstetrics & Gynecology, P.C.: “I am proud to participate in this lawsuit, which will mark the first step in following through with Arizona voters’ desires when they adopted new constitutional language protecting the right to abortion. For two years, physicians’ hands have been tied when a patient needs to end a pregnancy after 15 weeks, including when they face serious pregnancy complications. But today we can once again provide care to people who want to end their pregnancy. We hope the courts will quickly recognize the harms of Arizona’s ban and strike it down once and for all. This is a great day for my patients. I am thrilled to see their freedom to make their own healthcare decisions without state interference restored.” Statement from Dr. Paul Isaacson, M.D., obstetrician and gynecologist, Family Planning Associates Medical Group “As a physician, I see firsthand the devastating impact restrictive abortion laws have on my patients and their families. I joined this lawsuit because I believe that health care decisions should be made in the exam room—between a patient and their doctor—not dictated by political agendas. The constitutional amendment voters approved last month made it clear that Arizonans value the right to access safe, compassionate care, including abortion. Yet, the 15-week ban forces us to withhold essential care from patients, even when their health or future is at risk. My patients deserve better. I am hopeful that the courts will honor the will of the people and restore their right to make deeply personal decisions about their own bodies.” Statement from Dr. Jill Gibson, chief medical officer, Planned Parenthood of Arizona: “Arizonans resoundingly voted to enshrine abortion access in the state constitution when they voted YES on Prop 139 and made it clear they do not support bans on abortion. As a doctor, I know first-hand how abortion bans and restrictions force people to carry forced pregnancies, seek to self-manage their abortion when they would have preferred to access care within the health care system, or bear the financial burden of traveling hundreds or thousands of miles for care. Abortion bans not only negatively impact individual lives, they impact families and generations, and perpetuate other systems of oppression. Our community deserves the right to make our own decisions about our bodies and our health. And Planned Parenthood Arizona will not stop fighting for our patients and our health care staff.” Statement from Rebecca Chan, staff attorney, ACLU Reproductive Freedom Project: “Arizona voters sent a clear message that pregnant people should have the right to make their own personal decisions about abortion and to control their bodies and their lives. But this ban denies people that fundamental right. We have gone to court to ask the court to strike down the law to vindicate the will of the people and ensure that people can get the care they need in their own community. We applaud Arizona abortion providers for their strength in navigating this unjust law for two years and continuing to provide as much care as they were permitted to provide. We are relieved that patients who are more than 15 weeks pregnant can once again get the care they need. This case is the first step towards fulfilling the amendment’s promise.” Statement from Lauren Beall, staff attorney, ACLU of Arizona: "For decades Arizona lawmakers chipped away at the rights of people who can become pregnant and tied the hands of their healthcare providers. Voters made it clear that they’ve had enough. Today, we are asking the court to end Arizona’s dangerous 15-week ban and to affirm the will of the people. We are proud to stand by our state’s resilient abortion providers and partners to ensure everyone gets the care they need and deserve." Statement from Alexis McGill Johnson, president and CEO, Planned Parenthood Federation of America: “With their vote on Proposition 139, Arizonans said definitively that the only people qualified to make pregnancy decisions are patients and their health care providers, not politicians. It’s time for the state’s abortion law to reflect that belief and the values enshrined by the Arizona Abortion Access Act. Today, we ask the court to end Arizona’s abortion ban so that patients can get vital health care in their communities. In the coming months, Planned Parenthood Federation of America and our partners will continue to fight for Arizonans’ access to abortion, without government interference.” Statement from Nancy Northup, president and CEO, Center for Reproductive Rights: “Voters made it clear on November 5 that, when it comes to abortion rights, Arizona is not a battleground state. Arizonans voted overwhelmingly to enshrine abortion rights in the state constitution. We are going to court to challenge the state’s 15-week abortion ban and ensure that these constitutional rights are vindicated. The health and lives of pregnant Arizonans and their health providers’ ability to provide critical health care depend on it.”