That is an economic point and a good one, but it is not relevant. Saving private companies/individuals money is not the proper role of government. BC pills would not save catastrophic coverage plans money. Medical insurance is an economic transaction, and it should be up to the customer and the insurance company what is and what is not included. FedGov should not be involved at all. If they are to be involved, requiring catastrophic coverage should mark the upper limit of that involvement.
“Medical insurance is an economic transaction, and it should be up to the customer and the insurance company what is and what is not included.”
If you see my home page here, that is what I have advocated and still do.
However, once the federal government subsidies coverage, then rigid rules are needed for subsidized coverage.
The Comcast Cable and McDonald’s Food Plan need not apply for federal subsidy listing.