PolitiFact: Ohio Lt. Gov. Mary Taylor wrote a guest column for newspapers saying that the federal health care law will require coverage for benefits and services individuals do not want. This is true, said J.B. Silvers, the John R. Mannix Medical Mutual of Ohio Professor of Health Care Finance, but it’s the case for most health care plans. “It’s a silly argument, frankly. Insurance by definition includes things you don’t think you need,” he said.