States mandate insurers to cover certain medical benefits so insurers can't price folks who are likely to need those medical treatments out of the market. Insuring young women, if you didn't need to cover any benefits related to pregnancy, would be relatively cheap.

Pricing pregnancy benefits through the roof would be relatively easy, therefore the government requires this HIPAA compliant, real health insurance. And denying the benefits of those who bought the base medical benefits package and then got pregnant would be trivial -- and would save you a ton of money.

Almost all states require that you cover maternal medical benefits. And this goes across the board, from medical benefits that the old use but the young don't need to packages that target specific lifestyles.

If you allow the medical insurance companies to subdivide the market by medical benefit needs, what you'll have is a real health insurance at affordable pricing for the young and healthy coupled with unbelievable premiums for their less-lucky friends.

Many have had questionable experiences in the past with faulty guaranteed health plans.

We welcome you with open arms to real health insurance that will accept you for who you are.