Exactly. Employers contribute to social security as well, but the transaction is compensation, not an out of pocket expense  on behalf of the individual. business owner. The employee earns it and uses it as he or she pleases. Jehovah's Witnesses dont believe in blood transfusions: should they be allowed to deny employees coverage for that proven and reliable life-saving treatment? Of course not. This is the ridiculous argument Krista makes here and it's only acceptable to her because of her personal position on IUDs.