fully insured

When Does Health Insurance Cover Abortions?

Following the Supreme Court’s overturning of Roe v. Wade last week, Americans who live in areas that ban abortion now must travel out-of-state in order to receive the medical care they’re seeking.

On top of the financial burden created by travel alone, abortions can cost anywhere from $350 to over $1,500. But depending on the state you live in and your insurance provider, health insurance can cover some or all of the bill. 

Insider spoke with two health policy experts about which insurance plans cover abortion, and questions to ask your provider in the post-Roe era. 

Which types of insurance plans cover abortion? 

State policies on abortion health insurance coverage.

State policies on abortion health insurance coverage.


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After the fall of Roe v. Wade, many companies across the US announced they would cover travel costs for employees seeking out-of-state medical care. 

Employer health insurance falls into two categories: fully-insured plans and self-insured plans. A fully-insured

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Group Health Plans and Abortion: Implications of Supreme Court Decision | Baker Donelson

In the wake of the Supreme Court’s ruling in Dobbs v. Jackson Women’s Health, employers are questioning what impact, if any, this decision will have on their group health plans. In the Dobbs decision, the Supreme Court reversed 50 years of precedent by ruling that the Constitution does not provide for a right to abortion and therefore that states have the Constitutional right to legislate abortion. How, then, does this ruling impact employer-sponsored group health plans? In this alert we address four items of immediate concern and expect to supplement this analysis as this drastic change in the law develops.

1. Must a Group Health Plan Provide Coverage for Abortions?

There are no federal laws or regulations that require an employer-sponsored group health plan to provide coverage for elective abortions. The Patient Protection and Affordable Care Act of 2010, as amended (ACA), set forth standards that require coverage

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