Here's one way to solve the problems with Hobby Lobby: All the health insurance companies in the country can agree that they won't sell any insurance policy that doesn't contain contraceptive coverage. That's sort of what happened in Annex Medical v. Burwell.
Annex is a small corporation with 16 full-time employees. Its controlling shareholder, Stuart Lind, has a religious objection to providing contraception to female employees as part of a health insurance plan. He was shocked -- shocked! -- to find out that the Blue Cross plan he selected for his employees contained contraceptive coverage. He called Blue Cross to see if they could exclude that coverage, but Blue Cross refused. In fact, no insurer Lind contacted would exclude contraceptive coverage.