Recreational Sex

I’ll get right to the point.  The Department of Health and Human Services has mandated that all health insurance companies pay for birth control.  I’m not going to link to a story.  You can read the internet as easily as I can.  The mandate is probably unconstitutional, but I don’t want to argue about that.  In fact, I don’t want to argue about the merits of the mandate at all.  I simply want to make two points that illustrate the macroeconomic ripple effect.

Point  #1 – The purpose of insurance is to protect against casualty.  Every day expenses are called, “out of pocket,” for a reason.  Expecting your health insurance company to pay for recreational sex – that is what birth control is for, after all – is like expecting your car insurance company to pay for your gas.

Point  #2 – There aint no such thing as a free lunch.  To an insurance company this new mandate is simply a new business expense the same as the wages of the actuary, the rent on the building and the toner cartridges for the copier.  They are just going to pass on the cost to the insured.  If your employer provides your coverage you’ll pay for bells and whistles with lower wages.  Everyone else will see premiums go up.

People, we’re going to have to start discerning between wants and needs. The country is headed for financial ruin.  Is this really a priority?