Insurance has been around since before Christ. One of those most involved in it's introduction in the US was Benjamin Franklin. It was not invented by Barak Obama or communist or marxist.
The concept of insurance is pooled risk. A group of people put money into a pot (very simplified) and it is used to cover the losses of any of those participating. Insurance companies have evolved as the ones who collect the money and decide whose losses should be paid. The amount people put into the pool - premiums - is based on the risk they represent.
Insurance policies define what is a covered loss. I can accept that coverage or choose something else that more closer meets what I want to cover. This is true with auto, homeowner, rental, life or any other type of insurance. But there is not "gender" insurance.
Even if a company thought it a good idea there are laws - Civil Rights Act of 1964 and the Civil Rights Act of 1991 that preclude discrimination based on gender - specifically including pregnancy.
Jon Kyl - Republican Senator from Arizona - stated "I don't need maternity care, so requiring that it be in my insurance plan will make my policy more expensive."
While discussing the healthcare reform bill.
Either Senator Kyl does not understand insurance, does not know the law of this country or does not think care for pregnant women is important.
Or - all three.
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