Let’s assume that you don’t own a car. Should the government require that you purchase car insurance anyway? After all, if everyone pays for car insurance, then the average premium paid by each person will be lower.
As well, car technology improves over time. New safety features are introduced regularly. Newer cars are generally safer than older ones because of the improved safety features. Should people therefore be required to buy a new car every year, both for their own safety and for their fellow drivers?
In both cases, I think that people should be allowed to make their own choices to suit their own circumstances. If you want to buy a new car every year, then do so. If you want to spend your money on new clothing for your children instead, then that’s your decision to make.
Obviously, there are some costs which people pay toward collective responsibilities (e.g., schools, roads, hospitals). Even in these examples, though, there are limits. We provide tuition-free public high schools, but do not provide tuition-free universities or graduate schools. People who choose to go to post high school education are expected to pay for it. We pay for some roads by charging tolls on the people who drive on them.
In the same way, I believe that people should be free to choose whether or not to pay for pregnancy insurance. I support personal choice where reasonable over government demands on how you spend your money.