We do have a say, if someone does not want to buy insurance from a company that performs sex changes or abortions we can choose another company, unless, of course if it is company insurance (which I have), and which covers those two things, I could opt out if I chose to and would if it was affordable. As costs continue to skyrocket, and insurance becomes more un-affordable other options that do not include those things will become available, and a message will be sent by $$$ to the insurers, and people will buy elsewhere. The Christian groups that share medical costs are becoming quite popular and affordable, largely because Christians who opt in to programs like those will probably not have abortions, lung cancer from smoking, diabetes from gluttony, cirrhosis from alcoholism etc...It will happen, and Obamacare will make it happen sooner !