ALEXANDRIA, Va., March 20 /PRNewswire-USNewswire/ -- Today the Council
for Affordable Health Insurance (CAHI) released the 2007 edition of "Health
Insurance Mandates in the States." According to the study, the number of
state mandated benefits continues to grow -- to 1,901 nationwide, up from
1,843 last year.
"Policymakers are increasingly focusing on how to reduce the number of
uninsured Americans," stated CAHI Director Dr. Merrill Matthews.
"Ironically, these same policymakers continue to pass laws that drive up
the cost of coverage and make policies unaffordable for millions of
A health insurance mandate is a requirement that an insurance company
cover specific health care providers, benefits or patient populations.
While mandates make health insurance more comprehensive, they also make it
more expensive because mandates require insurers to pay for care consumers
previously funded out of their own pockets. Based on our analysis, mandated
benefits currently increase the cost of basic health coverage from a little
less than 20% to more than 50%, depending on the state and the specific
The study's authors, CAHI Research and Policy Director Victoria C.
Bunce and State Affairs Director J.P. Wieske, track hundreds of mandate
bills and identify those that actually pass. The study also includes an
estimate, provided by a team of health actuaries, of how much each mandate
adds to the cost of a health insurance policy.
"At a time when policymakers are complaining about the high cost of
health insurance, CAHI wants state legislators to know they are responsible
for the mandate explosion, and what those mandates do to the cost and
availability of health insurance. We hope this publication will encourage
them to refrain from exacerbating the problem," concluded Matthews.
A copy of the 2007 edition of "Health Insurance Mandates in the States"
is available on CAHI's website, http://www.cahi.org. Also available on the
web site are corresponding documents "Trends in State Mandated Benefits,
2007" and "Mandated Benefit Definition Memo, 2007."
Founded in 1992, CAHI is a non-profit research and advocacy association
whose mission is to develop and promote free market solutions to America's
health care challenges. CAHI's membership includes health insurance
companies (active in the individual, small group, HSA and senior markets),
small businesses, physicians, actuaries and insurance brokers.
(703) 836-6200 ext. 389
SOURCE Council for Affordable Health Insurance