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SB281 Alabama 2011 Session

Updated Feb 27, 2026
High Interest

Summary

Session
Regular Session 2011
Title
Abortions, health insurance coverage of elective abortions, prohibited, exceptions, Abortion Coverage Prohibition Act
Summary

SB281 would prohibit health insurance coverage of elective abortions in Alabama unless the policy includes a separate rider purchased with an extra premium.

What This Bill Does

It requires that coverage for elective abortions be offered only through an optional rider with an additional premium. It defines elective abortion as any abortion for reasons other than spontaneous abortion or to save the woman's life. It applies to a broad range of health insurance contracts and providers, including insurers, nonprofit organizations, group and blanket plans, health maintenance organizations, and self-insured employer plans. It does not create a right to abortion or legalize abortions that are currently unlawful.

Who It Affects
  • Individuals who purchase private health insurance in Alabama would only have elective-abortion coverage if they pay for a separate rider with an added premium.
  • Employers and other plan sponsors (including self-insured employers) would need to structure their plans to offer elective abortion coverage only through a separate rider with an extra cost.
  • Health insurers, nonprofit health organizations, group/blanket insurers, and health maintenance organizations would implement rider-based coverage for elective abortions and collect the additional premium.
Key Provisions
  • Elective abortion coverage may only be provided via an optional rider with an additional premium.
  • Elective abortion is defined as any abortion for reasons other than spontaneous abortion or to prevent the death of the female.
  • The act applies to a wide range of health coverage entities (insurers, nonprofit orgs, group/blanket plans, HMOs) and self-insured employer plans.
  • The act does not create a right to abortion or legalize abortions that are currently unlawful.
  • Severability and other standard legal provisions; effective date is the first day of the third month after passage and governor approval.
AI-generated summary using openai/gpt-5-nano on Feb 25, 2026. May contain errors — refer to the official bill text for accuracy.
Subjects
Abortion

Bill Actions

Read for the first time and referred to the House of Representatives committee on Health

Engrossed

Motion to Read a Third Time and Pass adopted Roll Call 646

Motion to McGill amendment adopted Roll Call 645.

Rules Petition to Cease Debate adopted Roll Call 644.

Third Reading Passed

McGill request to Carry Over to the Call of the Chair Granted.

McGill Amendment Offered

Third Reading Carried Over to Call of the Chair

Read for the second time and placed on the calendar

Read for the first time and referred to the Senate committee on Health

Bill Text

Votes

Rules Petition to Cease Debate

May 24, 2011 Senate Passed
Yes 21
No 10
Absent 4

Motion to Read a Third Time and Pass

May 24, 2011 Senate Passed
Yes 25
No 7
Absent 3

Documents

Source: Alabama Legislature