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Concerns raised over ‘Obamacare’ abortion coverage

RICARDO ALONSO-ZALDIVAR
Associated Press

WASHINGTON (AP) — A nonpartisan congressional agency is raising new questions about compliance with a key compromise on abortion that allowed the federal health care law to pass in 2010.

The Government Accountability Office said in a report released late Monday that only 1 of 18 insurers it reviewed was separately itemizing a charge for coverage of elective abortions on enrollees’ bills.

That detail is important because the original compromise that President Barack Obama sealed with anti-abortion Democrats stipulated that no federal funds would be used to pay for elective abortions. Instead, private health plans covering the procedure would collect a separate premium, which would be segregated from federal subsidies for other medical services.

Although abortion is a legal medical procedure, longstanding federal laws prohibit taxpayer funds from being used to pay for it, except in cases of rape, incest or to save the life of the mother.

The new GAO review did not address the fundamental question of whether federal subsidies under the health law are being used for elective abortions, but abortion opponents said the findings underscore their view that the compromise is an accounting gimmick.

In a written response, the Health and Human Services Department said it “acknowledges that additional clarification may be needed” when it comes to the health law’s provisions on abortions.

The report also found that some insurers were unaware of a requirement in the law that they notify policyholders if they cover elective abortions. Abortion opponents have complained that it’s very difficult for average consumers to determine whether or not their plan covers the procedure. Abortion supporters say they would also like clearer information.

Most health plans offered through employers routinely cover abortions. The health care law created new state insurance markets where people who don’t have access to job-based coverage can buy a government-subsidized policy. The flow of taxpayer dollars to insurers in the new exchanges created another battleground for opponents and supporters of abortion.

The compromise on abortion allowed Obama to secure votes from a small group of Democratic lawmakers who traditionally voted in favor of restrictions on abortion funding. Their support was critical in the face of overwhelming Republican opposition to the legislation.

The GAO report focused on 27 states, plus Washington, D.C., that do not have laws restricting access to elective abortions in the new health insurance markets. Another 23 states restrict or bar coverage.

The GAO found that 1,036 plans in these 27 states covered elective abortions, while 1,062 did not.

The 18 insurers that the agency reviewed accounted for nearly one-fourth of the plans that covered abortion. Each insurer offered multiple plans. None of the companies or plans were identified in the report.

All but one of the insurers said the cost of providing abortion coverage averaged out to less than $1 a month across their entire group of policyholders. In some cases it was as low as 10 cents a month.

The one insurer that itemized the abortion coverage charge on its monthly bill said it describes it as being “for coverage of services for which member subsidies may not be used.”

The report was released by Republicans on the House Energy and Commerce Committee.

Copyright 2014 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.

Don’t Settle for Student Loans to Pay for Online Education

Online college programs are becoming a more popular choice for prospective students, with one study finding that more than 6 million students enrolled in at least one online course in fall 2015. The popularity of these courses can be attributed in part to their flexibility with working adults' schedules, students' ability to progress more quickly through online programs and, oftentimes, cheaper tuition. [See 10 low-cost online bachelor's programs for out-of-state students.]Online degrees can be beneficial to many college students, but some studies have shown online learners complete their programs at lower rates than students at traditional brick-and-mortar campuses. Individuals with student loans but no degree comprise two-thirds of defaulted borrowers. Though these numbers are not encouraging, just like for traditional programs, there are ways to reduce how much you'll need to borrow for an online program to ensure you won't become one of these statistics. Don't just settle on borrowing student loans to cover the whole cost of your program and living expenses. Instead, start thinking about how to cut costs and cover your balance in different ways, such as the following. -- Grants and scholarships: Even though you are taking an online course, you can still apply and receive grants and scholarships. But your first step should be to complete the Free Application for Federal Student Aid, commonly referred to as the FAFSA, which will allow you to receive a Pell Grant if your expected family contribution is low enough. The EFC criteria and award amounts are adjusted annually, but the 2017-2018 academic year awards range from $606 to $5,920, which could significantly lower the amount you borrow annually. Your next step is to apply for scholarships. You can start by checking online scholarship search engines, such as the Salt Scholarship Search, College Board's BigFuture and Peterson's. But don't forget to take advantage of local organizations and your school's financial aid office. Both may offer scholarships that you can't find with a national scholarship search. [Review these 10 sites to kick off your scholarship search.]For instance, organizations like the Elks Club, Knights of Columbus or the Rotary Club typically offer scholarships annually to local students. Just because you're going to school online doesn't mean you're ineligible. Visit your local library for scholarship listings, and ask around town. You might be surprised how many local organizations offer scholarships. While these scholarships typically aren't large, every little bit counts. Each dollar you receive in a scholarship is a dollar you don't have to borrow and pay interest on. -- Work-study: Another option for online students may be work-study awards. Not all students enrolled in online programs are eligible, but students at some schools -- including, for example, SUNY Empire State College and Liberty University -- are. Work-study awards are not given upfront like scholarships and grants. In most cases, they are an offer to earn up to the awarded amount if you secure an eligible work-study job. While there is a misconception that all work-study jobs must be on campus, students can work for off-campus, nonprofit or public employers as long as the work is in the public's interest. You may be able to work for a for-profit employer if the job is relevant to your course of study. No matter who the outside employer is, it will need to have an established agreement with your college for you to receive work-study funds. Remember, to be eligible for federal financial aid, you must be enrolled and pursuing a degree or certificate. If you're not working toward a credential, Pell Grants and work-study won't be option, but you may still be able to take advantage of private scholarships -- just be sure to read the eligibility criteria carefully. [Explore what to know about financial aid in online programs.]-- Pay as you go: One of the great benefits to enrolling online is the flexible schedule, which can allow you to complete your college coursework around your responsibilities. But prospective students often overlook using their part- or full-time job earnings as an option for paying for college. Almost 80 percent of college students in 2015 worked at least part time while attending classes, according to the National Center for Education Statistics. By budgeting and thinking strategically about your college costs, you can likely reduce your dependence on student loans by paying a portion out of pocket. Many -- but not all -- online programs are less expensive than traditional programs and often have shorter payment periods. Six, eight or 10 weeks are common course durations. Because of the frequency of payments in an online setting, you may be well-placed to pay as you go and possibly avoid borrowing altogether. Attending college online and avoiding student loans may be challenging, but if you are willing to put in the effort, you can limit the amount you need to borrow. More from U.S. News Q&A: Understanding Student Loan Discharge Eligibility Student Loan Refinancing Isn't Right for All Borrowers
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