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There are knock on conditions, short term and long term, that you cannot say were specifically caused by a specific infection brought on due to lack of a specific vaccination. May have been caused. May have been exacerbated. Who they hell knows? Sure as shit didn't help that the patient wasn't vaccinated. That's a quagmire most insurers would rather stay out of. Just cover the damn vaccinations and you have far less risk. Way, way cheaper.

Secondly, what you're suggesting would take an act of Congress. Health insurance regulation, including what's covered and what isn't, is primarily a state matter. See McCarran-Ferguson Act - 1945. Federal regulation like ACA and ERISA are fallback positions, particularly for backward ass red states that fail to regulate properly. Some of the ACA provisions were already mandated in some states prior to passage.