Judy Naillon called her insurer several months ago to find out why she was being charged $35 every month for birth control pills. Her friends said they were getting their pills for free under the federal health law. Why wasn’t she getting the same deal? “I’m just really frustrated,” says the Wichita, Kan., piano and violin teacher. When her husband took a new marketing job last fall, “I thought that surely all these insurers must now be covering these benefits.” Naillon, 33, would have to continue to pay a share of the cost of her pills, and the plan wouldn’t...