SB281 Alabama 2011 Session
Summary
- Primary Sponsor
J.T. WaggonerSenatorRepublican- 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 DoesIt 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 ProvisionsAI-generated summary using openai/gpt-5-nano on Feb 25, 2026. May contain errors — refer to the official bill text for accuracy.- 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.
- 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
Motion to Read a Third Time and Pass
Motion to McGill amendment
Documents
Source: Alabama Legislature