Mandating health care
Mandating health care - transgender dating and gay dating
As the health-care debate heats up again in Washington, both Democrats and Republicans will try to convince us that they have the experts to answer all our health questions.
Most large companies avoid state mandates by self-insuring under the Employee Retirement Income Security Act (ERISA), which exempts self-insured companies from state oversight.
Consumer Operated and Oriented Plan Programs (COOPs) were really a political compromise between Members of Congress who wanted a public plan option and those who didn’t.
Once the Affordable Care Act passed, COOPs had outlived their usefulness.
A new analysis prepared for the National Center for Policy Analysis by the actuarial firm Milliman & Robertson estimates the costs of 12 of the most common mandates and finds that, collectively, they can increase the cost of insurance by as much as 30 percent. Although there were only seven state-mandated benefits in 1965, there are nearly 1,000 today.
While many mandates cover basic providers and services, others require coverage for such nonmedical expenses as hairpieces, treatment for drug and alcohol abuse, pastoral and marriage counseling.
When employers who canceled their employees' health insurance policies have been polled on why they did so, the majority claimed that it was because the price was too high.
Lower-income employees are most likely to lose coverage.
However, the federal govern-ment's new mandates - banning "drive-through" baby deliveries and requiring that any cap on mental health benefits be the same as the cap on physical health benefits - apply to all insurance.
Moreover, Congress appears likely to pass even more mandates in the future.
For more than 30 years, state legislatures have passed laws driving the cost of health insurance higher.
Known as mandated health insurance benefit laws, they force insurers, employers and managed care companies to cover - or at least offer - specific providers or procedures not usually included in basic health care plans.
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