Michigan 'Rape Insurance' Bill Passes Into Law (2024)

Michigan lawmakers passed a controversial measure on Wednesday that will ban all insurance plans in the state from covering abortion unless the woman's life is in danger. The law, which takes effect in March, will force women and employers to purchase a separate abortion rider if they would like the procedure covered, even in cases of rape and incest.

Supporters of the "Abortion Insurance Opt-Out Act" argue that it allows people who are opposed to abortion to avoid paying into a plan that covers it. Opponents have nicknamed it the "rape insurance" initiative, because it would force some women to anticipate the possibility of being raped by purchasing the extra abortion insurance ahead of time.

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“This tells women who were raped … that they should have thought ahead and planned for it,” said Senate Minority Leader Gretchen Whitmer (D-East Lansing) during debates. “Make no mistake, this is anything but a citizens' initiative. It’s a special interest group’s perverted dream come true.”

The Michigan State Legislature first passed the measure last year, but Governor Rick Snyder (R) vetoed it, saying he does not "believe it is appropriate to tell a woman who becomes pregnant due to a rape that she needed to select elective insurance coverage."

But the anti-abortion group Right to Life of Michigan was able to collect more than 300,000 voter signatures on a petition this year to force a second vote on the measure. Having been passed by both chambers, the bill automatically becomes law now, even without Snyder's approval.

More than 80 percent of private insurance plans currently cover abortions, the New York Times reported, citing research organization the Guttmacher Institute. Eight states have passed similar laws banning the insurance coverage of abortion, according to the Guttmacher Institute, but only two of them have actually made the abortion rider available to women.

Several Democratic women lawmakers became emotional during debates on Wednesday as they told personal stories of miscarriage and abortion, and State Rep. David Knezek (D) blasted the measure as misogynistic.

"This body made up of 80 percent men will make a decision that will impact 100 percent of women," he said.

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Michigan 'Rape Insurance' Bill Passes Into Law (1)

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Michigan 'Rape Insurance' Bill Passes Into Law (2024)

FAQs

What is the reproductive bill in Michigan? ›

LANSING, Mich.

– Today, Governor Gretchen Whitmer signed the final piece of the Reproductive Health Act (RHA) into law. The bill signed today repeals Michigan's ban on insurance coverage for abortion without purchase of a separate rider, and implements other protections for doctors and patients.

Does insurance cover abortions in Michigan? ›

“Because of state laws that prohibit public and private insurance from covering the costs of abortion care, and because I never would have expected needing a special rider from my private insurance, we were stuck with a hospital bill that topped $26,000,” she said.

What is the Ffpsa plan in Michigan? ›

The Act focuses on family engagement and evidence-based practices, and requires increased judicial oversight to prevent the unnecessary or prolonged placement of children into congregate care settings in an effort to ensure that children are in the least restrictive, most family-like setting consistent with their ...

What is the Michigan heartbeat bill? ›

A bill to require testing for a fetal heartbeat before the performance of an abortion; to place certain requirements and restrictions on the performance of an abortion if a fetal heartbeat is detected; to provide for the powers and duties of certain state and local governmental officers and entities; and to prescribe ...

What is the reproductive responsibility bill? ›

Senate Bill 729 authored by Senator Caroline Menjivar requires large group health plans to provide coverage for fertility care, including treatment for infertility and in vitro fertilization (IVF), and ensure that LGBTQ+ couples are not unfairly excluded from coverage. (2-year bill)

What is the Bill for Reproductive Rights? ›

Senate Bill 345 by Senator Nancy Skinner (D–Berkeley) improves protections for providers against the enforcement of other states' laws that criminalize or limit reproductive and gender affirming health care services.

What is the new abortion law in Michigan? ›

In November 2022, just months after the U.S. Supreme Court eliminated the federal constitutional right to abortion, voters in Michigan overwhelmingly approved the Reproductive Freedom for All Act (RFFA).

What does the Reproductive Health Act do? ›

This Act protects a woman's fundamental right to control her own reproductive health; it ensures that a woman will be able to have an abortion if her health is endangered at any point in her pregnancy; it treats regulation of abortion as an issue of public health and medical practice; and it guarantees everyone the ...

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