But it would not be insurance. Insurance is to spread out the risk of unexpected events that you can’t handle the cost of. (Well, people buy it for events they can easily handle the cost of, but that’s just a mistake.)

A true insurance company would offer you cheaper insurance (covering birth) if you were on effective contraception, and charge more if you did not use contraception or used less effective types. Hard to enforce sometimes, though.

Of course, another thing that happens, due to regulation is that men pay more for insurance (and subsidize the cost of planned events like birth control, even though they will not medically “need” it for themselves — though theyh might wish their woman to have it. This is social policy, not insurance, to increase sexual equality when the real world is unequal, and that’s fine — but again it should not be called health insurance.

I think we should split social policy, based on our morals, from our business decisions like how to buy and sell insurance. But I won’t get my wish.