Emergency contraception is one of the 18 FDA-approved methods for women that is covered by ACA-compliant plans, but it has to be prescribed by a health care provider. If you don’t have a prescription, you will likely have to pay the full cost out-of-pocket. However, if you get a prescription from your provider for emergency contraception,  bring the over-the-counter emergency contraception to the pharmacist and ask them to bill your insurance; your insurance should cover it without cost sharing.

If you are enrolled in an employer plan, and the employer has a religious or moral objection to contraceptives, your plan may not include emergency contraceptive coverage.