insurance coverage

Supreme Court Roe v. Wade decision could affect health insurance coverage

Abortion rights demonstrators protest outside the United States Supreme Court as the court rules in the Dobbs v Women’s Health Organization abortion case, overturning the landmark Roe v Wade abortion decision in Washington, U.S., June 24, 2022. 

Jim Bourg | Reuters

Even when Roe v. Wade was in effect and women had the legal right to an abortion no matter where they lived in the U.S., health insurance coverage of the procedure was limited.

Many states restrict what plans can cover, and a decadeslong national law bans the use of federal funds for abortions, meaning that women on Medicaid and Medicare were often not covered when it came to pregnancy terminations.

With abortion now expected to be prohibited in at least half the states after the landmark decision protecting women’s right to an abortion was overturned by the Supreme Court last week, coverage will only become rarer, experts say.

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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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Gov. Wolf Urges Congress to Preserve Affordable Care Act Subsidies to Ensure Health Care Remains Affordable for Tens of Thousands of Pennsylvanians


Governor Tom Wolf is urging Congress to take action to preserve Affordable Care Act (ACA) subsidies to ensure that individuals and families who were eligible for this important subsidy may continue to obtain health care. 

In a joint letter, Gov. Wolf and 13 other governors urged Congress to take action and ensure funding is in place to preserve ACA subsidies known as advanced premium tax credits
(APTCs), which were expanded through the American Rescue Plan Act of 2021. The ARPA-expanded subsidy eligibility is set to expire at the end of the current plan year, leaving consumers exposed to dramatic premium increases.

“Tens of thousands of Pennsylvanians will be impacted if this subsidy expansion expires in December, which will mean their insurance premiums will increase, putting individuals in a health and financial risk. It’s critical that we continue to make affordable coverage as accessible as possible to as

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