I have watched the debate over contraceptives accelerate, but no one seems to be speaking to the real issue. The issue is not about whether or not contraceptives should be available to all. The real issue is about who must pay for them and whether or not the insurance companies must offer coverage by government mandate .
The use of contraceptives is, in my opinion, a strictly private issue and the government should not be involved. If the government mandates insurance companies include contraceptive benefits, it is guaranteed insurance premiums will be adjusted upward to cover the cost thus forcing all policy holders to to pay for them, even if they would never use contraceptives themselves.
It seems to me a much better approach is for insurance companies to offer a contraceptive rider at an appropriate additional premium to those policy holders who desire them. Thus, all policy holders are given the power of choice.
Why should senior citizens have to pay for the contraceptives likely used only by those of a child-bearing age? Those who do not use contraceptives should not be required to pay for those who do and those who want coverage may choose to have it. Problem solved!