In a recent ruling from the Hobby Lobby case, The Supreme Court has ruled that ‘for-profit’ businesses can now evoke the religious rights disclaimer regarding contraceptive coverage. This means that non-religious business can now forgo the previous ACA mandates requiring contraceptive (no co-pay) coverage for women, an exception previously afforded only to religious based business with objection to this mandate for religious reasons. According to a recent article in Medscape.com, “The Court ruled 5-4 that closely held corporations, or companies with a small group of shareholders, may refuse to cover methods of contraception that they oppose for religious reasons.”
Insurance changes, high deductibles, and faulty marketplace applicability are just a few of the burdensome changes invoked as a result of the ACA. Despite the many changes we’re sure to see in our insurance plans, keep in mind that many of the currently available preventive health screenings not only will continue to be available, but importantly, will be covered at no cost to you (no deductible and no co-pay,) by the ACA mandates. Annual Pap smear screenings, mammograms, contraception, and vaccinations will be covered by most insurance plans as a “No-fee Preventative benefit”, even if you participate in a high deductible plan.
Whether you find yourself needing to purchase insurance on the marketplace, or not, it’s possible that you may find changes in your current insurance coverage, such as the institution of higher deductibles. Studies show that participants of high deductible plans are less likely to utilize health services, even those services that are covered at ‘no cost’.