MI SB0612

Qualified health plans offered through an American health benefit exchange cannot provide coverage for elective abortion, but individuals may purchase optional supplemental coverage for elective abortion outside the exchange.

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

Employers may purchase an optional rider for elective abortion coverage only if the employer pays the entire premium and provides notice to employees that elective abortion coverage is included and can be used by minors or dependents without employee notice.

"Elective abortion" is defined as intentionally terminating pregnancy for purposes other than increasing probability of live birth, preserving life or health of the child after birth, or removing a dead fetus; excludes contraception and medically necessary terminations to avert the mother's death.

The law applies to policies delivered, issued, or renewed in Michigan on or after January 1, 2014, and does not apply to Medicaid benefits or create a right to abortion.