Last week, the Obama administration proposed new regulations for determining which religiously affiliated employers and nonprofit organizations would have to provide no-cost contraceptive coverage in their insurance plans. Under the adjusted policy, churches and other houses of worship are still exempt from having to provide this coverage, and other religious entities (such as charities or universities) would not have to issue plans that directly provide birth control coverage. Employees at those organizations would instead, as the Washington Post put it, receive a “stand-alone, private insurance policy that would provide contraceptive coverage at no cost.”
This decision protects women’s ability to access contraception without co-pay. AAUW is pleased that the administration resisted efforts to exempt for-profit companies from providing this critical health insurance coverage. The decision will lead to real benefits, including fewer unintended pregnancies and a better quality of life for women. If you’d like to learn more about whether your insurance plan covers these services, a health advocacy group has prepared an easy-to-use tip sheet.
However, we are concerned that another regulation, also announced last week, could limit women’s ability to access this care. The proposal would exempt student health plans self-funded by colleges from benefits mandated by the Affordable Care Act.
This proposal would affect only about 30 institutions — mostly major private and public research universities — that self-fund their student health insurance plans, but this loophole could inspire other schools to begin self-funding their plans to remove contraceptive coverage, which AAUW would strongly oppose. As one consumer group put it, “Without federal protections and only minimal state oversight, self-funded plans are free to discriminate based on preexisting conditions, offer limited coverage with low annual limits on benefits, and commit a number of consumer abuses that the ACA was designed to eliminate.”
Although these are modifications to existing policies, they’ll have a big impact on women across the country. Subscribe to AAUW’s Washington Update to keep up to date on these developments and what they mean for women and girls.