And what exactly does that have to do with the state mandating that insurance policies cover procedures that people will never have to deal with?
I'm sure a woman's insurance policy covers a litany of problems that only men have to deal with, so you and Rush can stop complaining now--both men and women have to cover things they don't need. Also, if you're a man with a family policy, then you would need to have pregnancy coverage, mammogram coverage etc. anyway because your policy would no doubt also be covering the female members of your family as well.
SuBe's argument is a valid one. My insurance policy covers pregnancy, yet I'm a male. My premiums would be cheaper if I could purchase a policy where I get to choose what medical conditions it would treat--I would drop pregnancy and obesity-related stuff in a heartbeat. But no, I'm forced into a one-size-fits-all type of policy thanks to state law. Well, at least for now I can choose to be in an ultra-high-deductible insurance policy combined with a health savings account . . . my premiums are a little under $20 per pay period (every two weeks). Of course, under single payer, I wouldn't be so lucky and would fork over much, much more.
State law isn't the only problem. State law or no state law, insurance companies would still fill your policies with a crap load of stuff you'll never use and charge you an arm and leg for it because it makes them a lot more money.
Insurance companies are like the cable and satellite companies. They refuse to sell services a la carte because they get way more money locking you into big, expensive packages than they ever would letting you pick and choose to buy only what you want.
There is no state law mandating what channels the cable companies have to sell in their packages, and yet the cable companies still only sell huge cable packages--they refuse to sell channels a la carte. Why do you think insurance companies, who have absolutely no competition until you reach age 65, would be any different than the cable companies if they were given free reign to offer whatever services they want at whatever price they want? What incentive do they have to make their policies more desirable and more affordable? What incentive do they have to let you pick and choose what services you want to pay for?
Why would the insurance companies allow you to pay twenty bucks every two weeks for a couple of services, when they can get you to pay one hundred bucks every two weeks for a ton of services that they know you'll never be using? That's greed, plain and simple, and insurance companies are notorious for it.
Freedom of choice--in the leftist mind, it only exists for abortion. They want the state to control all of my other medically-related decisions.
These laws aren't passed so the government can limit your freedom of choice, no, they're passed
so the health insurance companies can't limit your freedom of choice.
Do you think it's a state law that makes health insurance companies refuse to cover services you paid good money for just because you're deemed not eligible for those services at that time by some corporate suit who's more worried about money than human life? Do you think it's a state law that makes health insurance companies refuse to cover you if you have a preexisting condition? Do you think it's state law that says health insurance companies are supposed to tell you what doctors you can and cannot go to? Do you think it's state law that makes health insurance companies offer single person plans, and expensive family plans (two or more people), but no two person plans so married couples without kids don't have to spend hundreds of extra dollars each year on coverage for the "or more people" that the family policy always charges for?
Pfft....if you think the government is the only problem here, if you think the people in the government are the only ones who would want nothing more than to force you to do what they want, then clearly you're not paying enough attention. You're not seeing the forest through the trees.
Oh, and one more thing, how can you say the government is the big problem when you know damn well the insurance companies have so much influence in the government through lobbyists and campaign donations that they
practically are the government?
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