Beyond Hobby Lobby: Employer's responsibilities and opportunities to improve network access to reproductive healthcare for employees

Abstract

The majority of United States (US) women age 15–49 have employer-sponsored health insurance, but these insurance plans fall short if employees cannot find providers who meet reproductive health needs. Employers could and should do more to facilitate and advocate for their employees through the insurance plans they sponsor. We conducted interviews with 14 key informants to understand how large United States employers see their role in health insurance benefits, especially when it comes to reproductive health care access and restrictions in religious health systems. Our findings suggest that large employers wish to be responsive to their employees’ health insurance priorities and have leverage to improve access to reproductive health services, but they do not take sufficient action toward this end. In particular, we argue that large employers could pressure insurance carriers to address network gaps in care resulting from religious restrictions and require insurers to treat out-of-network providers like in-network providers when reproductive care is restricted.