Because other insured are paying for coverages that you do use, but they don't. It "brings down" your premium for those coverages from what it would have been.
The two most expensive of those coverage mandates are mental health, and chiropractic care.
Prescription coverage isn't really insurance if you have a chronic medication. It's just an added on cost for a known expense.
Its like what my husband said to several bosses above him who were really pushing him to fire a woman under my husband who was sick alot. My husband was the older one in the discussion and he told his bosses that the worker was one of his best and one day sadly they too will probably have health issues. They even told my husband they felt he was perhaps not being the leader they felt he should be. They finally let her stay and she is still working along side my husband today. The bosses of ten years ago are either gone (fired) or now also really good friends with this lady because they too are having health issues along with their family members. We say we don’t need this or that but no one knows what tomorrow will bring. Just my two cents.
Not in a free market and you have an individual plan, as opposed to a group plan. A lot of responds I’ve been getting are either thinking about a group plan, or the socialist plan. I used to purchase insurance for our group plan at work, and even then the employer had some freedom to cover or not cover some things. Not after obamacare.