Obamacare: Men Required To Have Maternity Coverage

[Darkhorse]

[Precocity]

[The Dude]

Yes, you should have to cover all those things. That's how insurance works best.

The reason you don't have flood insurance in the desert (actually, this isn't a great example since floods do happen in deserts, but let's play along) is because the insurance works regionally. It doesn't make sense to cover floods because they can't happen and you're only pooling people in a risk pool where floods don't exist. if there was a national risk pool, then you would cover floods, EQs, tornados, etc for everyone.

When you're covering people, if there was a region of barren women, then sure. But this doesn't exist. The point of insurance is to spread the cost over the pool being covered. When you discriminate among the pool (for essential things), then it's no longer serving the purpose of insurance which is exactly why the individual market has been such shit and people hate it compared to the employer and gov't market.

[Darkhorse]

[The Dude]

[Medius]

Dear god... nobody pays for maternity coverage. You buy coverage period. The plans are not tailored to individuals, they are net across a risk pool. You all get the same coverage because all your money is put in a big pool and costs are pulled from that money. Removing maternity coverage from males participating in the pool would not impact prices at all. You would have to pull it from everyone in the pool.

That is the trouble here, the idea that you can individualize coverage, you cannot. You have to pool people together so that the individuals that cost more than what they pay in is offset by everyone who pays in more than they cost.

So yes, your money goes to pay for women stuff, just as their money pays for man stuff. And you all pay for sick people on the off chance that you will be one of those sick people that everyone pays for.

[The Dude]

Exactly.

FWIW, when I meant people "pay" for maternity, I was referring to the absence of insurance or "use" of service if you prefer.

[Darkhorse]

[Darkhorse]

[The Dude]