I understand. I probably respectfully disagree. There is no pregnancy risk with my wife and I. There is no exposure to that type of risk. They can adjust my premiums up because of my age. They can also adjust them down when there is not pregnancy risk.... If they chose to. Why would they choose to? They can insure me, charge me for that service... and blame it on obammy.
Well, when Obama is mandating that the insurance carriers cover everybody for everything, the insurers are going to adjust their actuary estimates accordingly. They don’t look at each individual to assess which risk pool to put them in like they have done in the past. They now have to assess everybody as having coverage for things they may have to cover. Whether they ever have to payout for the covered risk is immaterial. The mere fact that they are being told to cover it (pregnancy for instance) for everybody, means they are going to charge you for it whether your risk individually of getting pregnant is there or not.