re: Facts on Health Care

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So what is the purpose of requiring such "mandatory benefits"? Simple: It reduces "p" over the entire population of people with policies. But since the total of those "p * c" computations is the sum of all of them for each individual the purpose of such mandates is to force you to pay for someone else's treatment for a condition you cannot possibly suffer.

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The idea behind those "mandatory benefits", typically lower cost care options than the alternatives is that people will correct smaller ailments faster, thus preventing larger, more expensive ones.

Mandates forcing people to pay is literally the business model for all insurance. The healthy/smart/risk averse (driving)/etc. people buy insurance that they more than likely won't need, while sick/weak/stupid people receive more than they pay in. Also, it is much easier to to lump people together based upon risk assessments rather than by any other determining factor.

Why should women have to pay for testicular cancer treatments? or Why should men have to pay for breast cancer treatments? is essentially the question.

I mean, I think its obvious that they are avoiding major lawsuits. Not totally versed in this yet, but I'd imagine there is a more than decent chance some people would have good discrimination suits if charged differently.

Edit: why the downvotes? That is apolitical. Simply answering the questions posed.