Exactly. Most people have lost the concept of what insurance is. It is meant to cover infrequent, expensives risks like a house fire or major accident. Therefore a large number of policyholders pay a small premium to share the costs of those few policyholders who have a claim incident.
If I pay a premium to cover a cost I know I am going to have like cleaning my teeth then I am paying somebody a fee to pay those costs for me. That is not insurance.
The problem with mandating routine costs like contraception is that you are forcing policyholders who do not need contraception to subsidize those who do via premiums paid. This is economically immoral. And that ignores that some policyholders may object to contraception for religious reasons.
If I pay a premium to cover a cost I know I am going to have like cleaning my teeth then I am paying somebody a fee to pay those costs for me. That is not insurance.”
I wish every voter in the U.S. understood this point.