Challenging Affordable Care Act--religious freedom?

[Angrboda]

I don't think insurance should cover contraceptives, but my reasoning isn't religious. Insurance is supposed to be a pooling of resources to guard against catastrophic events. Contraception is routine. My car insurance doesn't pay for oil changes. My homeowners insurance doesn't pay for a fresh coat of paint. IMO the US is in trouble with health care largely because we've gotten away from the basic insurance principle.

That's one way of looking at it. Another is that insurance is a structured redistribution of wealth so that a small amount of input can be transformed into greater output when needed.

In line with that principle, it makes sense to redistribute a small amount in the form of prevention and maintenance, to preserve the fund's ability to manage major outputs when needed. (And yes, I'm aware that, dollar-wise, preventive care is more expensive than catastrophic coverage for the insurer; however that doesn't factor in the human cost of catastrophic failure, which is of interest to any calculation of equity.)