Health Insurance plans will be required to cover Birth Control Pills

The PillThis week HHS Secretary Kathleen Sebelius broadened the scope of “preventive” to cover birth control and the “morning after” pill at 100%.

US says insurers must fully cover birth control

All new health insurance policies effective after August 1st, 2012 will include this mandate.

Kathleen Sebelius also stated, “Under the new law, it will be illegal to charge women more just because of their gender.”  Although there could be some savings for health insurance companies due to slightly lower pregnancy rates, the cost of these medications that can range as low as $160 per year to over $1000 per year will cost far more than any potential savings.

There are other mandates hiding in Obamacare that might level the rates between men and women, but this isn’t one of them.


  1. Obamacare seems to be very promising…

    • Stacy,

      You are correct in stating that Obamacare seems promising. I am extremely concerned about how these promises will change overall health insurance costs.

      By 2014 all individual health insurance plans will be guaranteed issue with the difference in pricing from the oldest and potentially unhealthiest person no more than 3 times the rate of the youngest and healthiest people regardless of sex.

      Currently young healthy people can find an HSA qualified health insurance policy as low as $50 per month in some areas.

      Get an instant online quote

      Unhealthy people in their 60s seeking guaranteed issue plans which are currently available in most states can pay as much as $1000 per month or more:

      Kansas Guaranteed Issue Plan Rates 2011

      So the current plans can cost 20 times as much for some versus others. Yes, 3 to 1 will slightly decrease the rates for the older unhealthy applicants at the dramatic cost increase for younger & healthier applicants which could find the least expensive plans costing several times the current rates.

      So the spread will be reduced substantially by making younger healthier people pay more… much more!

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