WASHINGTON — The Trump administration is making it easier for employers to exclude birth control from health insurance benefits provided under the Affordable Care Act, and it has come up with a new justification, saying that female employees can obtain contraceptives at family planning clinics for low-income people.

That, in turn, could increase demand for clinic services, which are already squeezed. The plan is one of several recent proposals that could affect access to birth control, such as requiring the physical separation of services at clinics and strict new rules about insurance payments.

The health law generally requires employers to cover preventive health services, and the government says those include contraceptives for women. Under final rules published this past week, employers can obtain an exemption if they object to some or all forms of contraception based on their "sincerely held religious beliefs" or moral convictions.

In a separate proposed rule, the Trump administration said that women denied contraceptive coverage by their employers would be eligible for the family planning program created by Congress in 1970 under Title X of the Public Health Service Act.

Clinics in that program serve 4 million people a year, primarily low-income women and adolescents. Clinics must give priority to members of low-income families, defined as those with annual incomes less than or equal to the poverty level ($20,780 for a family of three). Demand for clinic services already exceeds what can be provided with the available funds, $286.5 million a year.

Under the Trump administration's proposal, some women would be eligible for free contraceptives regardless of their income. The proposed rule says that "a woman can be considered from a 'low-income family' if she has health insurance coverage through an employer" that, for religious or moral reasons, refuses to cover the contraceptives she seeks.

Administration officials said the proposed rule would meet the needs of women while deflecting legal challenges to the president's birth control policy. The proposed rule will "preserve conscience protections" for employers and provide free or low-cost family planning services for women who need them, the administration said.

But Clare Coleman, president and chief executive of the National Family Planning and Reproductive Health Association, which represents many clinics, said the proposal would "hijack Title X programs and use their limited federal funds to subsidize employers' refusal to comply with the contraceptive coverage requirement."