The issue of abortion in health care reform is a red herring. Most private health care policies cover elective abortions and don’t charge less if abortion coverage is excluded. Abortions are inexpensive (particularly the early trimester medical abortions done with methotrexate or mifepristone which might well not even have halachic problems), and certainly are less expensive to an insurer than prenatal care, labor and delivery. All the proposals currently under consideration prohibit federal government funds from paying for abortions. (It should be noted that New York Medicaid pays for abortions for any reason to anyone it covers.)
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