The Abortion Premium Mandate

(the non-fiction version)

by Gaius Famius

Published October 10, 2013

Probably everyone has heard of the individual mandate and the fact that it was upheld by the US Supreme Court. It is now the law of the land.

What is not really known, though, is that there is more than one mandate. There is the individual mandate everyone is aware of, the employer mandate, which people are beginning to be aware of through current lawsuits, but also the Abortion Premium Mandate, that very few seem to know about. Along with who knows how many other mandates, because, as they said, we don't know what is in the law, and will never completely know, because they will rewrite and add to it constantly as they feel the need.

The individual mandate requires that all individuals, with some exemptions, must enroll in Minimum Essential Insurance (MEC), or be subjected to penalties. It gets quite complicated, and the purpose of this article is not to explain the ins and outs of the ACA healthcare law, but to show how everyone will be mandated to pay for abortion.

The employer mandate requires employers to provide MEC, or pay a per employee penalty. Employer based plans are required to provide birth control and contraceptive coverage whether or not the employer morally agrees with birth control and contraceptives. Both birth control and contraceptives cause stealth abortions, and this is why so many are opposed to this mandate. The exemptions for employers from providing these plans are extremely narrow and even the majority of religious organizations, much less companies that are owned by religious people, do not qualify. A number of lawsuits fighting the employer mandate have been filed, but until these lawsuits reach the Supreme Court and are overturned, they are still the law of the land. Don't expect this portion of the law to be overturned, as the Supreme Court will pull out another song and dance to protect it. The penalties for employers failing to provide MEC, even under conscientious objection, are substantial enough to bankrupt most companies.

So much for not being forced to have MEC.

Now we have another mandate included, the Abortion Premium Mandate. This mandate is not on individuals, or on employers, but on the insurance policies themselves, and has therefore received very little attention.

It is against federal law to use tax money to fund abortions, per the Hyde amendment. Of course, abortion advocates have worked out a number of various strategies to get their hands on taxpayer money anyway. Since evil people can never have enough money, abortion advocates have worked out a new scheme to skirt around the federal law against funding abortions, and to use the ACA law and regulations to force YOU to fund abortion for them. They will now have direct access to your money, and will use your money to fund the slaughter of babies, and you will have almost no choice in the matter.

The Abortion Premium Mandate (APM) is not a mandate on companies, which are already required to provide insurance including contraceptives and birth control, and it is not a mandate on individuals, who will be forced to buy insurance providing contraceptives and birth control. The APM is a mandate on the insurance policies themselves, adding an additional requirement that very few are aware of.

It gets rather complicated. The scheming of evil people always does. So please be patient as we try to explain a rather convoluted and secretive attack to take your money to pay for abortion.

The Abortion Premium Mandate is not referring to contraceptives and birth control. The APM is directly referring to medical procedure abortions, performed under the auspices of an abortion doctor.

Essentially, the majority of insurance policies will be mandated to bill you the APM as a line item on your health insurance bill, which you will then write a check for, as part of your insurance premium. This will be in the small print similar to the way you have all kinds of fees and add-ons on your telephone bill. You don't understand what they are, but if you don't pay them, your phone gets turned off. The health insurance company will take this APM fee money and separately send it to an abortion allocation fund, which will then be used to directly reimburse abortion clinics for performing abortions.

Even though the ACA law requires separate payment, it now looks like that will not be enforced in practice, and the APM will be hidden in your monthly insurance payment along with all of the other fees. The money will still go to a separate, designated fund.

So just like that, the majority of Americans, starting in 2014, will be directly funding abortion slaughter in America.

By using this convoluted method, the APM honors federal law by not using tax dollars to pay for abortions, but at the same time, uses federal law to force you to pay for them directly.

The APM is not 100%. It does not apply to all healthcare policies. While it will be possible to get health insurance that does not include the APM, it will just be nearly impossible.

Most insurance policies will offer abortion coverages as an optional add-on. We probably shouldn't ignore the fact that if an insurance company offers abortion coverage as an add-on with say only 1 out 100 of it's insurances plans, then ANY policy with that company is indirectly supporting abortion. People like to think that if their policy specifically excludes abortion that it is okay. But if your policy is giving money to a company that funds abortion through other policies, then by supporting that company, then you are indirectly supporting abortion. We will set aside the issue of indirect funding of abortion for the moment, because the APM is about you directly funding abortion.

Insurance companies will offer an insurance plan. On that insurance plan, multiple companies, small businesses, and thousands of individuals can sign up. Insurance companies rarely create plans for only a small group of people, and it takes the power of large companies, or a state's different laws to induce an insurance company to generate new plans. The number and variety of plans with an insurance company will probably go down because of ACA since the insurance companies will no longer have to fight so hard to get customers.

The Abortion Premium Mandate states that on an insurance plan that offers abortion coverage as an option, if even ONE member of that plan selects abortion coverage, then EVERYONE on the plan must pay the APM. It will not matter if you are a 75 year old man, or a six year old child, you must pay the APM. The APM is per person, so if you have a family of four on the plan, then you will be forced to pay the APM four times for your family.

With large plans, the odds that a plan won't have at least one person who selects abortion coverage, are probably lower than the odds of you winning the lottery jackpot five weeks in a row. This nefarious scheme was designed to give the appearance of choice, while making it almost impossible to avoid the APM.

Now, the insurance companies will have to create plans that specifically exclude abortion coverage, contraceptives, and birth control for the few religious churches that actually qualify for an exemption from the employer mandate. However, you will almost certainly have to be an employee of one of these few select organizations to get this specialized coverage that does not include contraceptives, birth control, and abortion. The insurance companies have no incentives to make these plans available to individual buyers. You can be certain that every plan offered to you as an individual will include abortion coverage as an option.

If even ONE person on that plan selects the optional abortion coverage, then EVERYONE on the plan must pay the APM, and will be directly funding medical procedure abortions.

Very few people will know about this until they receive their healthcare insurance bill, and then only if they bother to read the small print and check every line item. Most of us probably don't even read our phone bills as long as the total isn't too much.

The APM specifically forbids the insurance companies from telling you about the APM when you are in the process of selecting your insurance policy. The APM can only be revealed in the small print of the insurance plan contract at the point when you are ready to actually sign and enroll. Do you actually read the small print on everything you sign? Once you sign it, you are stuck.

How can you pick the plan that doesn't have elective abortion coverage if the insurance companies are forbidden to tell you which ones have it unless you sign up for the plan?

The minimum monthly charge for the APM, per person, will be $1. For an individual, that's a minimum of $12 per year. Estimates for the amount of money that can be collected under the APM run from $900,000,000, that's 900 million dollars, to 2.4 billion dollars per year. If the monthly charge is higher than the minimum required, then the APM windfall for the abortion clinics will be even higher. All of this will be money out of your pocket, whether you want to pay it or not.

“Well,” you say, “Ah! But my state is one of the 21+ states that have opted out of the abortion funding portion of the ACA.”

The Nelson-Reid compromise allows states to opt-out of allowing insurance plans on their state health insurance exchanges that have elective abortion coverage. Unless a state opts out, the insurance plans offered on that exchange will have elective abortion coverage. For those who qualify, federal subsidies will pay for some or all of the insurance plan, except for the portion that directly covers abortions.

This is where the APM comes in. The APM is a separate line item, and is therefore not being directly funded by the federal government. No matter how poor you are, you will still have to write a check to pay for the APM portion of your healthcare bill. Even if all of the rest of your insurance bill is subsidized by the federal government. Therefore, technically, the federal government is not funding abortion coverage. So very neatly done.

Back to the states that have opted out, which is almost half of them. Historically, insurance in America has always been a state based system. This began to erode with federal crop insurance, and then federal flood insurance. With the new ACA, the conversion of insurance from a state issue to a federal issue makes huge advances. Federal law trumps state laws. While on the surface, the opt-out looks good, in the end, it will have little practical effect.

It is interesting to note that while the opt-out covers elective abortions, it does not prohibit or prevent abortion coverage for rape, incest, or medical reasons. The opt-out only applies to optional elective abortion coverage.

The opt-out applies to “ELECTIVE” abortion coverage, or abortion on demand. Elective abortion coverage does not count abortion coverage for the purposes of rape, incest, or medical need. A state can opt out of elective abortion coverage, but not out of all abortion coverage completely. “Needs based” abortion coverage can be written into a plan separately from elective abortion coverage.

The Abortion Premium Mandate makes no such distinction. If an insurance plan offers abortion coverage, whether elective, or in the opt-out states, only needs based, and even one person signs up for it, then the APM applies to everyone on that plan. Even in the opt-out states, and probably on every single insurance plan, except for the very limited number of plans offered only to specific religious churches, some kind of abortion coverage will be included, regardless of state law, triggering the APM payment.

Even states with very restrictive abortion laws will not be able to prevent the federal government from forcing their residents to pay the APM.

In addition, the insurance companies are developing a new product called multi-state plans. In other words, they will stop writing and tailoring plans to the laws of each individual state. This is cheaper for the insurance companies and easier to administer. The federal government fully supports multi-state plans, and will be the final rule arbitrator of multi-state plans, not the states.

There is nothing in the ACA that prevents multi-state plans from including elective abortion coverage, and certainly not “needs based” abortion coverage.

So here is how it is going to play out. A state opts out of allowing elective abortion coverage. Everybody thinks that their state has opted out of all abortion coverage, but per federal ACA rules, the opt out is limited to only elective abortions. In spite of state laws, the plans on the state exchange will offer or automatically include limited abortion coverage. Because there is some kind of abortion coverage, the APM kicks in, and everyone on that plan will be forced to pay the APM. State laws may prevent a person from getting an abortion in that state, but their insurance plan will be charging them for abortions. The APM money goes to a federal allocation fund, not in the state's control, which will then be redistributed to various abortion groups.

All of this without the federal government DIRECTLY funding abortions. You do the direct funding, but the federal government forces you to pay, and only pays for the enforcement mechanism, which technically is not funding abortion, only the collecting of money.

This is a very devious plan that is going to surprise everyone, especially in the opt-out states, when they get their first insurance bills in 2014.

The goal is to provide abortion coverage for everyone and to force everyone to pay for abortion coverage. Even steps taken to avoid the abortion coverage, such as the opt-out compromise for the state exchanges, or the lawsuits against the employer mandate, will fail. HHS can change the rules as often as they want to, until they find ways to work around everything. Any victories against mandatory abortion coverage and payment will be temporary unless the entire ACA law is overturned.

This article may be redistributed for free in it’s entirety, but may not be reposted on any other website, and must include everything, unedited, including the two links below:

http://www.stopinfanticide.com

http://www.brassserpent.com