This assumes that every working woman of childbearing age works for an employer who has religious/moral objections to contraception or abortion. Utter nonsense.
But even if it were accurate, they could just pay themselves. There is absolutely no reason for society to privilege anti-baby measures over diabetes drugs, heart bypasses, hip replacements, or physical therapy.
Well it will play out in the courts, and if the ACLU is right, there could be a price to be paid for singling out birth control to be treated differently than any other medication. The reply you have given won’t be a very effective one should that happen.