I'm aware of this. I'm asking why is this the case?
Insurance works by smoothing all costs across the entire population. That eases the issue of apples-to-oranges comparisons (mammograms vs. prostate treatment) by making them all health care costs and having the price be comparable for individuals.
Now, the problem in the U.S. is that this doesn't match the colloquial definition of insurance and lumps in routine health care expenses, like doctor's visits and inexpensive medications, with the occasional big hit that "insurance" is meant to cover, like surgery or catastrophic illness. We put them both together and call it insurance. If we're going to do that, to smooth out risk and share costs, that means defining health care and making it all coverable and making it a shared and common expense for everyone. When you carve out exceptions, you make it easier for people to game the system and drive up costs.
I will never have children or father children and I am perfectly ok that my insurance costs are higher because it includes the expense of others' childbirth and natal care.
