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Home / News / Texas is poised to ban all insurance coverage for abortions, forcing women to buy “rape insurance.”

Texas is poised to ban all insurance coverage for abortions, forcing women to buy “rape insurance.”

The Texas Legislature is but once more making it more durable for women to entry abortion care.

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The Texas Legislature is within the house stretch of a particular session Gov. Greg Abbott referred to as final month to push via a slew of his legislative priorities, together with restrictions on the place transgender individuals can use the toilet. That invoice is dropping steam within the much less conservative House, however one other invoice proscribing abortion entry is headed to the desk of the governor, who has indicated that he’ll signal it into regulation.

Christina Cauterucci is a Slate employees author.

The invoice would prohibit all insurance corporations from overlaying abortion care of their normal plans, requiring women to pay additional premiums for coverage in the event that they assume they could want abortions sooner or later within the subsequent yr. The ban would apply not solely to insurance plans on the exchanges established by the Affordable Care Act, but in addition to any plans sponsored by employers or bought on the personal market. A plan would solely be allowed to cowl an abortion within the case of a pregnant lady’s life-threatening health emergency and never these carried out in instances of rape, incest, or excessive fetal abnormalities.

This weekend, the GOP-led Texas Senate accredited the invoice after it handed the House. (Similar payments have been raised and debated through the common legislative session, which closed in May, however none handed.) Right-wing legislators and advocates in Texas say they’re presently pressured towards their will to assist fund abortions just by participating in a health insurance system that covers them. Rep. John Smithee, who sponsored the invoice within the House, stated in flooring debate that the invoice promotes “financial freedom” for individuals who oppose abortion rights.

Half the states within the nation forestall insurance insurance policies bought on ACA health exchanges from overlaying abortion procedures. Ten of these additionally prohibit insurance coverage for abortion in all personal insurance plans. Only two of these 10—Utah and Indiana—make exceptions for abortions sought in instances of rape and incest. That’s why Democratic Texas legislators say this invoice would necessitate “rape insurance”—nobody expects to have an unplanned being pregnant, and nobody can predict the probability that she’ll be raped in a given yr. It is a demeaning type of gender discrimination to ask women to lay down extra cash simply in case they get pregnant by means of sexual assault.

According to a nationwide 2014 survey of abortion sufferers, 53 % paid for the process or capsule out of pocket, and one other 24 % paid for their abortion care with Medicaid. (Federal Medicaid dollars can’t go towards abortions in most circumstances, however a handful of states use their very own health funding to cowl abortion care for women on Medicaid.) Just 15 % of abortion sufferers used personal insurance to pay for their abortion care, whereas 61 % of women with personal insurance stated they paid out of pocket, due to both excessive deductibles or a scarcity of coverage. Without insurance coverage, an abortion can value between $300 for an early treatment abortion in some locations and some thousand dollars for a surgical one later in being pregnant. The later, costlier ones are sometimes these carried out beneath probably the most heart-wrenching circumstances, due to fetal anomalies undetectable in early being pregnant or a lady’s lack of ability to entry earlier health care due to her age, distant location, monetary assets, or immigration standing.

By proscribing abortion care to those that can both afford a further month-to-month health care expense or a hefty one-time cost out of the blue, Texas is making certain that low- and middle-income women with health insurance will discover it considerably harder to entry a constitutionally protected medical process. To fulfill the whims of anti-choice advocates, the Texas Legislature has used one inhabitants’s private beliefs to justify what quantities to a sexual-activity tax on Texas women.


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