Forcing insurers to provide free contraception coverage will hike prices for ...
No! Never forget that when the government mandates that health insurers provide a new benefit, the government does not pay for the benefit and neither do the health insurance companies. You do!
The government can mandate that insurers provide more benefits, but government does not give money to the health insurers to pay for them.
Where does the insurance company get the money to pay your benefits? Unlike government, a health insurance company can't just print money when it needs to pay for your medical expenses.
Insurers get the money they use to pay for your medical bills from the premiums paid by you and your employer.
This is called the Insurance Principle. Each insured exchanges a small certain amount to avoid the risk of having to pay a large uncertain amount. More specifically, you pay the smaller health insurance premiums to the insurer so that if you are one of the unlucky few who will get prostate cancer or have a premature baby, the insurance company will pay the larger medical expenses.
Insurance is a very risky business. The incredible thing is that insurers have to calculate your premium before they know how much it will cost to insure you. That is like a car manufacturer being required to decide on the price of the car before they know how much it will cost to build it.
To calculate your premium, insurers estimate what they will have to pay for future medical expenses, plus the cost to run the company, pay taxes and, hopefully, provide a return on the investment of those who have contributed the capital to create the company which provides the jobs to the employees and pays the benefits to the insureds.
Note that these are all guesses. Notice also that whenever benefits are increased, the insurance companies must recalculate how much to charge you to cover those increased costs.
If the insurer underestimates how much it will have to pay in medical expense costs and sets your premium too low, it doesn't get to retroactively increase your premium. It has assumed that risk.
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