Covered: What You Need to Know About Birth Control Coverage Under the Affordable Care Act

Do you know that under the Affordable Care Act (ACA), all health insurance plans in the United States are required to cover birth control without any out-of-pocket costs? This means you should not have to pay a copay, coinsurance, or deductible for birth control.

But what do you do if you’re still getting charged for birth control? It’s one of the most common questions we get from our readers. Let’s break down the rules and help you get the coverage you’re entitled to.

What birth control methods are covered?

The ACA covers all FDA-approved birth control methods, including:

Pills
Patches
Rings
Injections
Implants
Intrauterine devices (IUDs)

If your health insurance plan doesn’t cover a particular birth control method, or if you’re being charged a copay or deductible, you can contact our licensed agents at 800-320-6269. We can help you file a complaint with your health insurance company and get the coverage you need.

What if I have a high-deductible health plan?

Even if you have a high-deductible health plan (HDHP), you should still be able to get birth control without any out-of-pocket costs. The ACA requires HDHPs to cover birth control without a deductible.

If your HDHP is not covering birth control, you can contact our licensed agents at 800-320-6269. We can help you file a complaint with your health insurance company and get the coverage you need.

What if I’m uninsured?

If you’re uninsured, you can still get free or low-cost birth control through a variety of programs. These programs are available regardless of your immigration status, income, or age.

To find a program in your area, you can visit the website of the National Family Planning & Reproductive Health Association (NFPRHA): https://www.nfprha.org/

Getting Help

If you’re having trouble getting birth control coverage, don’t give up. Our licensed agents are here to help. We can help you file a complaint with your health insurance company and get the coverage you need.

You can contact us at 800-320-6269 or visit our website at https://www.healthinsurance.org/get-help/