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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.

Recently, the federal government imposed two mandates that affect health insurance policies nationwide.

While actuaries, insurers and health economists agree that virtually all mandates increase the cost of health insurance, the magnitude of their effects has been subject to debate.

Assuming that a mandate-free, basic health insurance policy costs a family about ,500 a year, the study found that [see the table]: Taken together, the package of 12 mandates could increase the cost of a family health insurance policy by as much as 15 to 30 percent, or 5 to

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.Recently, the federal government imposed two mandates that affect health insurance policies nationwide.While actuaries, insurers and health economists agree that virtually all mandates increase the cost of health insurance, the magnitude of their effects has been subject to debate.Assuming that a mandate-free, basic health insurance policy costs a family about $3,500 a year, the study found that [see the table]: Taken together, the package of 12 mandates could increase the cost of a family health insurance policy by as much as 15 to 30 percent, or $525 to $1,050 a year.Based on these estimates, we conclude that a small business employing 25 people - with a standard mix of 40 percent single and 60 percent family coverage - could see its premiums rise by $20,000 a year. Many employees believe their employers pay for the insurance they provide.

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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.

Recently, the federal government imposed two mandates that affect health insurance policies nationwide.

While actuaries, insurers and health economists agree that virtually all mandates increase the cost of health insurance, the magnitude of their effects has been subject to debate.

Assuming that a mandate-free, basic health insurance policy costs a family about $3,500 a year, the study found that [see the table]: Taken together, the package of 12 mandates could increase the cost of a family health insurance policy by as much as 15 to 30 percent, or $525 to $1,050 a year.

Based on these estimates, we conclude that a small business employing 25 people - with a standard mix of 40 percent single and 60 percent family coverage - could see its premiums rise by $20,000 a year. Many employees believe their employers pay for the insurance they provide.

However, economists recognize that employee benefits are a substitute for wages in the employee's total compensation package.

,050 a year.

Based on these estimates, we conclude that a small business employing 25 people - with a standard mix of 40 percent single and 60 percent family coverage - could see its premiums rise by ,000 a year. Many employees believe their employers pay for the insurance they provide.

However, economists recognize that employee benefits are a substitute for wages in the employee's total compensation package.

Virtually all states require drivers to have auto liability insurance before they can legally drive a motor vehicle.

These mandates apply only to those health insurance policies controlled by state health insurance laws - usually policies purchased by small businesses and individuals.

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.




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