HB112 Alabama 2012 Session

Summary

Primary Sponsor

Ed Henry

Republican

Session

Regular Session 2012

Title

Health, abortion coverage by exchange participating health plans, State of Alabama opts out of authorizing, health insurance coverage for elective abortions, prohibited, exceptions

Summary

HB112 would prohibit abortion coverage in Alabama health plans, including exchange plans, unless such coverage is purchased separately as a rider with an extra premium, with limited exceptions.

What This Bill Does

The bill states that Alabama will opt out of allowing abortion coverage by exchange-participating health plans. It also prohibits private health insurance plans sold in Alabama from covering elective abortions unless the policyholder buys a separate rider and pays an additional premium. Abortion coverage would be allowed only in limited cases (when the life of the mother is endangered or in pregnancies resulting from rape or incest). The measure applies to a wide range of insurance products and self-insured plans, and it explicitly does not create a right to abortion.

Who It Affects

• Consumers and policyholders in Alabama who purchase health insurance, as elective abortion coverage would not be included in standard plans and would require a separately purchased rider with a higher cost.
• Insurers, HMOs, nonprofit health organizations, groups, and self-insured employers in Alabama, who must structure plans to exclude abortion coverage unless a rider with additional premium is offered and purchased.

Key Provisions

• Opt-out from allowing abortion coverage by exchange-participating health plans in Alabama.
• Prohibit health insurance coverage of elective abortions except through a separately purchased rider with an additional premium.
• Apply the prohibition and rider option to a broad range of health insurance products and entities (including self-insured employers).
• Allow abortion coverage only in narrow exceptions: when the life of the mother is endangered or in cases of rape or incest.
• State that the act does not create a right to abortion and includes standard severability and effective-date provisions.

AI-generated summary using openai/gpt-5-nano on Feb 24, 2026. May contain errors — refer to the official bill text for accuracy.

Subjects

Health