Enacted in 2010, the Federal Patient Protection and Affordable Care Act (later amended by the Health Care and Education Reconciliation Act) sought to reform health care in the United States. There were numerous provisions passed with the act, one being the requirement of all health care plans to offer contraceptive coverage for women. Prior to the passage of the Act this had not been required, and employers who opposed contraception for religious reasons did not have to offer a health care plan to employees that provided this. With the passage of the Act this is no longer the case, and only in very few circumstances can exemptions be made to the law. The Act also required each state to create a state-based exchange and created a tax credit for those who use the exchange to purchase insurance. In Michigan policy makers have since examined the impact this Act will have on the state and the development of the State's exchange, with much attention focused on the issue of elective abortion. Two bills have been proposed in the Michigan Senate (SB 612 and 613,) both seek to prohibit the coverage of elective abortions. Instead, these bills would create an optional rider program that women could choose to ‘buy into' for coverage of elective abortions. Senate Bill 614 furthers these bills by forbidding reimbursements from being accepted for an elective abortion, unless they it was so from an optional rider program. This bill also would establish a fine of up to $10,000 for those in violation of the bill, and gives power to the Department of Licensing and Regulatory affairs to investigate suspected violations.