MI SB1293

Qualified health plans offered through a state exchange under the Affordable Care Act cannot provide coverage for elective abortion.

Individuals, organizations, or employers can purchase optional supplemental coverage for elective abortion outside the exchange, subject to additional premium payments.

Health insurance policies and HMO contracts offered outside state exchanges cannot cover elective abortions except through an optional rider with an additional premium paid by the purchaser.

Employers purchasing an optional rider for elective abortion coverage must ensure the rider's cost is not factored into employee premium contributions and must notify employees that the coverage can be used by minors or dependents without notice to the employer.

"Elective abortion" excludes contraceptive drugs or devices and medical procedures to terminate pregnancy when necessary to avert the woman's death, as determined by a physician's reasonable medical judgment.