It still does fund abortion to whatever extent money is fungible: plans covering abortion must set up two separate accounts one paying for abortions and one for everything else with the stipulation that federal money cannot be put into the abortion account except in case of rape or incest. So instead the federal money can be put into the other account and private funds shifted to the abortion account as needed (unless the abortion account was more than the private funds, but that would never happen anyway). The net result being that while the federal funds are prohibited from going directly into the abortion account, the fungibility of money means that they are effectively still subsidizing abortion coverage. The federal government can recite whatever talking points it wants, the fact that the government is subsidizing abortion through the account for the other services in the plans remains.
The Stupak Amendment would have closed this loophole by requiring plans covering abortion to charge a rider fee to pay specifically for the abortion coverage. As Ben Kenobi notes, it failed.
You're correct, but that's how all insurance works. By this logic, unless you get your health insurance from a company that never, ever pays for an abortion for any reason whatsoever, you are paying for a fraction of every abortion the insurance company covers.
That's also why all these separate contraception accounts for "religious objectors" (AKA cheap Baptists who think they're sending Obama a message) make no sense. The objectors' money is still going into a single big pot, out of which birth control pills are paid for.
