Family Talk maintains a self-insured insurance plan for its employees, in which the organization acts as its own insurer. As a matter of religious conviction, Family Talk excludes abortion-causing drugs and devices (like the “week after” pill, or IUDs) from its employee health insurance plan. Obamacare’s mandate, however, requires Family Talk to provide access to these abortion-causing items for employees covered by its health plan. If Family Talk chooses not to, it will be subjected to crushing fines.
The federal government has provided an extremely narrow exemption from this requirement for religious employers such as houses of worship.
Family Talk does not qualify for this exemption.
The federal government has also provided what it calls an “accommodation” for religious employers like Family Talk that do not qualify for the exemption.
But under this “accommodation,” Family Talk must obtain a third-party claims administrator and submit a form that specifically obligates the third-party administrator to arrange payment for the abortion-causing drugs and devices. Simply put, under the accommodation Family Talk must hire someone else to provide coverage for items that Family Talk objects to providing coverage for. Of course this is no “accommodation” of beliefs at all, as Family Talk would still be providing access to abortion-causing drugs and devices.