A new study out from George Washington University School of Public Health and Health Services concludes that the Stupak-Pitts Amendment will have an expansive effect on abortion coverage over the entire insurance industry, “eliminating coverage of medically indicated abortions over time for all women, not only those whose coverage is derived through a health insurance exchange.”
More, the effect of the amendment on the private market over time is likely to extend to the “rider” coverage that amendment supporters point to as an alternative for women shut out of the exchanges, and even to employer-provided insurance coverage:
… the study finds that the supposed fallback option for impacted women–a “rider” policy that provides supplemental coverage for abortions only–may not even be allowed under the terms of the law. “In our view, the terms and impact of the Amendment will work to defeat the development of a supplemental coverage market for medically indicated abortions. In any supplemental coverage arrangement, it is essential that the supplemental coverage be administered in conjunction with basic coverage. This intertwined administration approach is barred under Stupak/Pitts because of the prohibition against financial comingling.”
The authors also note that though the direct impact of the Stupak amendment on women who receive insurance from their employers will be initially minimal, the provision’s tentacles could nonetheless reach into the employer-provided insurance market, too, “further driv[ing] the industry to shift away from current abortion coverage norms and toward product designs that meet exchange and Hyde Amendment requirements.”
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