S. 3011 would amend the Affordable Care Act to prohibit health insurance plans sold through the federal and state health exchanges from covering abortion services and gender-transition procedures for minors starting in 2026. The bill would allow abortion coverage only in cases where the procedure is necessary to save the mother's life, or when the pregnancy results from rape or incest. For gender-transition procedures, the definition includes puberty-blocking drugs, hormone therapy, and surgeries intended to align a minor's body with their gender identity, though the bill includes narrow exceptions for intersex conditions and emergency medical situations. The prohibition would apply broadly to all health plans offered on the exchanges, including those offering limited benefits. This legislation would affect millions of individuals who purchase insurance through the health exchanges, potentially restricting their access to these covered services beginning January 1, 2026.
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