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Is abortion covered by health insurance?

A brief overview...
  • Coverage for abortions can vary depending on the type of plan you have and the state that you live in
  • Ten states forbid all insurance plans from offering insurance coverage for abortions
  • Twenty-five states forbid insurance plans from covering abortion if the plan was purchased in the state exchange
  • The Hyde Amendment forbids the federal government from allocating any funds towards abortion
  • Medicaid does not cover abortions due to the Hyde Amendment

Twenty-five states forbid insurance plans purchased on the national exchange from covering abortions.

These states are Wisconsin, Alabama, Arizona, Virginia, Arkansas, Florida, Utah, Georgia, Tennessee, Idaho, South Dakota, Indiana, South Carolina, Kansas, Pennsylvania, Kentucky, Oklahoma, Louisiana, Ohio, Michigan, North Dakota, Mississippi, North Carolina, Missouri, and Nebraska.

Some of these states do have exceptions if the pregnant woman’s life is in danger or if the pregnancy is due to incest or rape. However, not all of these states make an exception and many do not have exemptions if a woman’s health will be affected in a non-life-threatening way.

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Which states have a complete ban on insurance coverage of abortions?


Some of these states go even further and implement a complete ban on any insurance coverage for abortion services. The following 10 of the 25 states have complete abortion restrictions. These states are:

  • Idaho
  • Indiana
  • Kansas
  • Kentucky
  • Michigan
  • Missouri
  • Nebraska
  • North Dakota
  • Oklahoma
  • Utah

Louisiana and Tennessee do not permit insurance carriers to cover abortion even if the woman’s life is in danger.

Oklahoma, Kansas, North Dakota, Idaho, Michigan, Nebraska, Missouri, and Kentucky do not permit insurance coverage of abortions even if the pregnancy was a result of rape or incest.

Although the other 25 states do not explicitly place restrictions on coverage of abortions, whether they are purchased through an exchange or elsewhere, they may still have other laws in place that limit coverage. Some states may allow you to apply for and purchase vouchers that cover abortion.

What is the Hyde Amendment?


The Hyde Amendment forbids the use of any federal funds for abortion services. Although this law is not set in stone, it has been attached to Congressional bills and passed every year since 1977.

Originally, the Hyde Amendment only restricted abortion coverage for Medicaid recipients. However, it now affects insurance coverage for those who are employees of the federal government and Native Americans who receive their healthcare through the Indian Health Service.

The Hyde Amendment also applies to insurance coverage for military members. Until 2013, military members and their families who were enrolled in federally funded insurance plans could only receive coverage for an abortion if the woman’s life was endangered.

Since the regulations changed in 2013, women in the military or dependents might be able to receive coverage for an abortion if the pregnancy was due to rape or incest.

Additionally, abortions are not permitted to be performed in a military medical facility unless the pregnancy was a result of rape, incest, or the pregnant woman’s life is in danger.

How much does an abortion cost without insurance?

Money on table

The cost of an abortion can vary depending on where you live and if you are in a position where insurance will help cover it. It is best to speak to your local Planned Parenthood organization or a similar medical facility.

If you are looking to take the abortion pill, it can cost as much as $800. If you live in a state that allows private insurance to cover the pill, the cost will be reduced. The abortion pill is only available for women during the first trimester of their pregnancy.

The cost of an abortion procedure will vary more than the pill based on a variety of factors. The cost of the procedure increases the farther along a woman’s pregnancy is. An abortion during the first trimester can cost anywhere between $300 to 1200. The price significantly increases after 20 weeks in states that allow the procedure to occur at that stage in the pregnancy.

Is abortion covered by health insurance?


In many cases, abortion is not covered by health insurance. Half of American states have a restriction on abortion coverage for plans that were purchased in an exchange.

Ten of these states have a complete ban on abortion coverage even if the insurance plan is private. Federal employees, military members, and most Medicaid recipients are also not eligible for abortion coverage unless it is in the case of rape, incest, or the woman’s health is endangered.

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