Rules forcing insurers to cover certain procedures without any out-of-pocket costs doesn’t make them free as most reports claim, it just makes them pre-paid. “Each use of ‘free’ and ‘no cost’ in these excerpts is false, even within its original context. There’s no such thing as a free lunch. Everything has a cost. No government can change that. Mandating that insurers cover certain services does not magically make them free. Consumers still pay, just in the form of higher health insurance premiums and lower wages.”