Regulations issued for the ACA require that plans offering coverage of elective abortions assess a minimum $1 surcharge per month to go in a separate slush fund to pay for abortions. The "secrecy clause" contained in the regulations requires plans to conceal this surcharge until the moment of enrollment. Research from the Charlotte Lozier Institute has shown that it is nearly impossible for anyone attempting to enroll in a plan on the exchanges to know whether it excludes coverage of elective abortions. In response, pro-life hero Rep. Chris Smith (R-NJ) has introduced the Abortion Insurance Full Disclosure Act to reverse this secrecy clause by requiring all plans to disclose whether abortion coverage is excluded, and the amount of the abortion surcharge.