At my institution, we are offered 2 group health plans from 2 different health providers, one covers elective abortions one does not. Both cover contraceptives. My dilemma is that I signed up for the plan that covers elective abortions based on premium costs, but I was not mindful of this when I made the choice. Subsequently, I realized I had made the wrong choice when I read the contract exclusions and inclusions. By then, however, it was too late for me to drop the plan I chose and revert to the other plan (one can only switch during an open enrollment period). I will not be able to re-enroll in the plan that excludes elective abortions until next summer. My dilemma deals with my moral obligation to drop the group health plan and find an individual plan that does not cover elective abortions. I have sent an email to Father Torraco and I hope he will enlighten me on this subject. As you might imagine, I am very distressed about the situation that I am in. The other issue is whether we are obliged to actively search for health plans that exclude both abortion and contraceptives, mindful that contraceptives are sometimes used for non-contraceptive purposes. Then again, other medications besides contraceptives may be used to treat the medical concern at hand. There may also be a practical matter, insofar, as it is highly unlikely that one will find individual health plans that have as many benefits for the money when compared to group health plans. But, can one even take such practical factors into consideration when the question under scrutiny is an objective evil?