In all cases, you are forcing people to pay for services that they do not want or need.<quoted text>
If insurance companies include prenatal/maternity services on a policy for an "older, childless couple", it will obviously not be utilized by them....therefor, will not cost the insurance company anything.
Prescription drug coverage is a must these days, especially as we age. Do you know anyone over the age of 60 who is not taking a prescription medication?
Why require mental health services? Are you kidding me with this question?
Galt knows many older people who avoid prescription drugs.
Seeking mental health treatment is dangerous to your employment, Second Amendment rights, and many other aspects of life, so most people will not seek such treatment voluntarily.