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Insurers sometimes don t cover certain contraceptive methods for free, though they are supposed to cover most by law. Even for long-established methods, like IUDs, insurers sometimes make it hard for women to get coverage by requiring preapproval. For Stephanie Force, finding a birth control method that she likes and can get without paying out of pocket has been a struggle, despite the Affordable Care Act s promise of free contraceptives for women and adolescent girls in most health plans. The 27-year-old physician recruiter in Roanoke, Va., was perfectly happy with the NuvaRing, a flexible vaginal ring that women insert monthly to release hormones to prevent pregnancy. But her insurer, Anthem, stopped covering the branded product and switched her to a generic version in early 2020. Force says the new product left her with headaches and feeling irritable and short-tempered.

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