Contraceptive Coverage Requirements for Religious Employers

Effective for plan years beginning on or after Aug. 1, 2012, the Affordable Care Act (ACA) requires non-grandfathered group health plans and health insurance issuers to provide benefits for certain women’s preventive health services without imposing cost-sharing requirements. These services include the preventive care and screenings for women described in guidelines issued by the Departments of Labor (DOL), Health and Human Services (HHS) and the Treasury (the Departments). One of these guidelines requires non-grandfathered plans and issuers to cover all FDAapproved contraceptive methods for women without cost sharing.

Special contraceptive coverage rules apply for nonprofit religious employers and organizations. These rules exempt churches and other houses of worship from the ACA’s requirement to cover contraceptives. For other churchaffiliated institutions that object to contraceptive coverage, such as schools, charities, hospitals and universities, these rules establish a temporary enforcement delay and an accommodations approach. Read More