With a college age daughter, you might not want to think about it, but you might need those benefits in less than a year. And at 43, you can still have kids....
The POINT of insurance is spreading risk, especially the unlikely but catastrophic risks.
With respect to my soon-to-be college age daughter, I have no problem paying for her insurance, and for it including prenatal, or any other women's health care coverage (which it already did), she is my daughter and I fund the coverage. I expect to take care of my own.
My issue is that MY coverage, as a 43 year old male will now be forced to include prenatal, birth-control and abortion coverage even though I can not technically access those services since I am biologically ineligible.
I am also opposed to paying a signficantly higher premium because I have moved out of the level of coverage and actuarial table I chose for myself (as well as those for my wife and daughter), and I am now lumped in with essentially 330 million others, roughly half of whom are, as women, statistically more expensive to provide health care for. Not moraility, not religion, not philosophy, not politics, just plain old actuarial math and statistics.
I of course was laready paying higher premiums for my wife and daughter than I would have for myself (except for my pre-existing condition which I have always been able to find coverage for) due to the above, only now everyone's premiums go up, mine especially so (if I use the Exchange).
While true that my wife and I could conceivably conceive again, that was ALREADY covered on HER plan which I already paid for (happily). again, the issue is that I, me, the 43 yr old man, will NEVER need prenatal care, abortion care, birth control pills, mammograms, HPV shots, or pediatric dental coverage - but as a result of Obamacare my plan, as a male, must include it and as a result my premiums must necessarily go up.
The only people who are actually inserting their own personal morality into the situation are those who assume to know better how to spend MY money. If an individual wants to donate their own money to make better coverage available for people they don't know, and their circumstances allow it, then by all means they should go for it. But to insist that their morality and sense of what is fair and right be forced upon me, at cost to me, with no benefit (or worse less value) to me is unjust, unfair and unAmerican.
'Gimp