MoJo: The Stupak Amendment is even more radical than you think

[BurtWorm]

http://www.motherjones.com/politics/2009/11/price-health-reform-abortion-rights

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The Stupak amendment mandates that no federal funds can be used to pay for an abortion or "cover any part of any health plan" that includes coverage of an abortion, except in cases where the mother’s life is in danger or the pregnancy was the result of rape or incest.

The first part of the amendment isn't new. The 1976 Hyde Amendment already prevents the use of federal dollars to pay for most abortions. Where pro-lifers won big was on the second part, which could significantly limit the availability of private insurance plans that cover the procedure.

That’s because Stupak’s amendment doesn’t just apply to the public option—the lower-cost plan to be offered by the government. The House health care bill will also provide subsidies to help people and small businesses purchase plans on an exchange. This represents a lucrative new market for insurers: anyone earning less than $88,000 for a family of four qualifies for assistance, as well as certain small companies. But to gain access to these new customers, insurers will have to drop abortion coverage from their plans.

Around 87 percent of plans cover abortion (though not all employers choose to actually include it). But under the House bill, the Congressional Budget Office estimates that 21 million people will participate in the exchanges by 2019 and that 18 million of them will do so via government subsidies. In theory, insurers could create separate plans for women who don’t qualify for credits but still want to buy a plan on the exchange. In reality, this is unlikely to happen, meaning that even women who purchase plans entirely with their own money in the new market may be unable to obtain one that offers abortion coverage.

Over time, the goal is for many more people to join the exchanges—the bigger they are, the more effective they'll be. Not only will this put greater numbers of women in the same bind, it could affect abortion coverage in private plans outside the exchanges, too. "How big will exchanges have to be in an insurer's business model before they decide it's easier to standardize their coverage?" said Adam Sonfield, senior public policy associate of the Guttmacher Institute, a policy and research organization that focuses on reproductive health.

The Stupak amendment says that women are free to buy an optional rider to their plans that would cover abortion, as long as no money appropriated by the bill is used to pay for it. Critics call this ridiculous. People don’t think they’ll need coverage for most medical procedures until the day they actually need it; as detractors of the amendment have pointed out, no one plans for an unplanned pregnancy. Imagine if all insurance plans worked like a smorgasbord, in which you tried to guess the operations and medicines you might require sometime in the future. How many procedures would you actually fork out for in advance? Five states already have similar "rider" laws in place, but according to Sonfield, "No one seems to have come up with evidence that these plans are ever sold."

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[niyad]

1. kick