Though the Affordable Care Act (ACA) was enacted over 14 years ago, there remains a significant lack of awareness regarding the requirement that federal law mandates plans to cover the full cost of recommended preventive health care services, particularly contraception.

According to the ACA, most private health plans and Medicaid expansion programs are obligated to provide coverage without cost-sharing for many recommended preventive services that are crucial for women, including contraceptives, mammograms, and annual check-ups. After a decade filled with intense debates about the ACA’s future, a significant bipartisan majority now holds a positive view of this ACA provision. Nonetheless, several legal challenges have emerged against parts or the entirety of the ACA, including an ongoing case, Braidwood Management Inc. v. Becerra, aimed at nullifying the coverage requirement for specific preventive services. While a substantial proportion of women aged 18 to 64 (71%) recognize that the ACA mandates preventive services cover women’s annual check-ups without cost-sharing, nearly three in ten (29%) women either do not know or believe otherwise. Awareness of this benefit is notably lower among women aged 18 to 25 compared to those aged 50 to 64 (52% vs. 77%). Additionally, knowledge of the obligation to cover routine mammograms is high (73%) among women over 40, but one in four (26%) remain unaware (Figure 1).

Despite the majority of women using contraceptives and the requirement for plans to cover all FDA-approved prescription methods, fewer than half of reproductive-age women (43%) and contraceptive users (47%) are aware that their insurance should fully cover these costs. A higher proportion of Black women are informed about this requirement compared to White women (49% vs. 42%). Alarmingly, less than half (44%) of women with private insurance, to whom this requirement pertains, know that most plans are mandated to cover the full cost of birth control for women (Figure 2).

Some women who are unaware of the contraceptive coverage requirement may have inadvertently incurred out-of-pocket expenses for their contraception. Multiple reports have documented individuals still paying out-of-pocket for contraception, while recent Congressional investigations indicated that some health insurers continue to impose charges for contraception that should be fully covered. In response, the federal government has been issuing guidance to clarify and reinforce the health plans’ obligations.

At present, all ACA preventive service mandates remain effective, though their future hangs in the balance amid ongoing legal challenges. The prevailing lack of awareness concerning this benefit may lead to fewer women accessing recommended preventive care.