insurance is designed to protect people from huge unexpected medical costs.....obviously, when an insurance company is calculating the cost of premiums for a policy they take in consideration what they may be expected to pay out in insurance.......here, the insurance company will add to the premiums of every woman of childbearing age the cost of the most expensive forms of birth control......thus, rather than insurance being provided free for the insured, they are guaranteed to be paying, in the form of higher premiums, the cost of birth control, whether they are using it or not......this is not going to save anyone any money, it's going to cost them money.......