Yes, insurance exists for unexpected events, that’s why its insurance. A condom is a cost you willingly accept. And to be honest, primary care often shouldn’t be insurable, but since plans are required to cover it without price discrimination it kills direct primary care- so this is something that has to be accepted. Now, if medicare/medicaid and other programs choose to cover it that’s a different thing, but requiring all plans cover it is dumb. But I guess plans don’t really have to compete that much on price and value-added that much anymore post-ACA anyways
Its because of the Roosevelts or more specifically FDR. One of the many reasons to hate FDR.