No. Read the article. What I say is that the businesses are being forced to do things that are contrary to their OWNERS' moral codes. It is neither "collectivist," nor "paternalistic," nor "authoritarian." It is actually individualistic. The employees DO pay for a portion of their, insurance, typically. But contraception is inexpensive, and there is little reason for insurance to cover this -- you can pick it up inexpensively at your local Wal-Mart. There's nothing stopping an employee from spending her - or his - money on that.