I hear often, "why should I have to pay for you to have sex"? But do those people realize that a pregnant woman in that insurance pool is much more expensive than a non-pregnant woman on the pill? Personally it makes much more sense to pay a little extra in premium so the pill is on the table for women who want it, vs pay a whole lot more in premium when all those women start getting pregnant and require insurance to cover the slew of procedures associated with having a baby (which I assure you costs more than birth control). Fact is - you're going to pay for the sexual escapades of people in your insurance pool whether you like it or not. Why not opt for the cheaper approach? Thoughts?