There are two kinds of IUDs: Hormonal and Copper. The federal law requires most ACA-compliant, “non-grandfathered” plans to cover at least one hormonal IUD (marketed as Mirena, Skyla, Lilleta or Kyleena) as well as the copper IUD (brand name ParaGard) with no cost sharing. The plans must also cover the provider visits for insertion and removal, with no cost sharing. You should talk to your provider about which IUD is best for you. If your plan will not initially cover the hormonal IUD your provider recommends, you should ask your provider to request a “waiver” or “exception” from your insurance plan. However, if you are enrolled in an employer plan, and the employer has a religious or moral objection to contraceptives, your plan might not include contraceptive coverage.

Short-term health insurance policies do not have to provide benefits required by the ACA, including contraceptive services.  Health care sharing ministries, which are membership groups usually affiliated with a religion that help members pay for health care (not insurance), are also not subject to ACA benefit requirements.