In the case of the mandate, the mandate says that the insurance companies, all of them, have to include birth control services in their women’s health package. It’s an across the board mandate, for example just like taxes, no different than taxes. Further, the mandate is resting the responsibility on the insurance company. It has nothing to do with the employers, because all insurance companies have these benefits in their package, across the board. If all insurance companies have to provide these services, then all of them have to provide the services. The mandate also says that all employers that meet a certain criteria must provide insurance for their employees, which must include women’s health care services. This is an across the board mandate, for example just like taxes, no different than taxes. If this is what the mandate says, and the mandate is for everyone, then there should be no opt-outs for anyone who owns a business. If the employee doesn’t want to use a specific benefit, for whatever reason, then they don’t. No one is forcing them to use any government mandated-insurance provided benefit.