Last reviewed June 2026

Does my health plan have to cover birth control for free?

Short answer: In most cases, yes. Marketplace and most other health plans must cover FDA-approved contraceptive methods and counseling prescribed for women with no copay, coinsurance, or deductible when you use an in-network provider. Certain religious employers are exempt, and plans are not required to cover vasectomies or drugs to induce abortion.

Birth control is part of the no-cost preventive care guarantee. Plans in the Health Insurance Marketplace must cover contraceptive methods and counseling for all women, as prescribed by a health care provider, and cannot charge cost-sharing for them in-network. Covered methods include barrier methods, hormonal methods like the pill, IUDs and implants, emergency contraception, sterilization, and patient counseling.

There are limits. Plans are not required to cover drugs that induce abortion or services for male reproductive capacity such as vasectomies. Some religious employers, like churches, are exempt from the contraceptive mandate, and certain non-profit religious organizations use an accommodation in which the insurer pays for contraception separately, so you still receive it at no cost. The protection comes from the ACA, which requires no-cost coverage of, with respect to women, such additional preventive care and screenings not described in paragraph (1).

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