May 28, 2009|
CAHI Releases Health Insurance Mandates in the States, 2009
Alexandria, VA --Today, the Council for Affordable Health Insurance
(CAHI) released "Health Insurance Mandates in the
States, 2009," CAHI's annual tracking of health
"At a time when both Congress and state legislatures
are considering health care reform, it's very important
to recognize that government usually makes health
insurance more expensive, not less
expensive," said Dr. Merrill Matthews, CAHI's executive
CAHI has regularly tracked all state mandates since
1992, and its actuarial team estimates the impact
those mandates have on the cost of a health
insurance policy. For the year ending in 2008, CAHI
has identified 2,133 state and federal mandates, an
increase of 172 over last year's figure of 1,961 state
mandates. This year CAHI is also including federal
mandates because they affect state coverage.
"Mandates come with a cost," continued
Matthews. "While mandate advocates like to claim
that mandates lower the cost of coverage, that's not
the actuarial experience. They raise costs because
utilization goes up. Those costs are then passed on
to consumers in the form of higher health insurance
premiums -- increases that make coverage
unaffordable for millions of Americans."
Matthews concluded: "While most mandates if taken
individually have a relatively small impact on health
insurance costs, it is the accumulated impact of
dozens of mandates in any given state that drives up
the premiums. If our elected representatives want to
know why health insurance costs so much, they need
to begin by looking at their own actions."
"Health Insurance Mandates in the States, 2009" is
authored by CAHI Research and Policy Director
Victoria C. Bunce and State Affairs Director J.P.
Wieske. It is part of CAHI's ongoing effort to track
legislatures' involvement in health insurance.
About the Council for Affordable Health Insurance
Founded in 1992, CAHI is a nonprofit, nonpartisan research and advocacy association whose mission is to promote access, affordability and choice in American health care. CAHI's membership includes health insurance companies (active in the individual, small group, HSA and senior markets), small businesses, physicians, actuaries and insurance producers and brokers.