Policy Documents

Patient Protection Laws and Mandated Health Benefits at the State Level

Conrad F. Meier –
December 1, 1998

In summary, the author writes;

The purpose of this Act is to initiate a review of all current and proposed state-mandated benefits.  Mandated health insurance benefit laws require that health insurance contracts cover specific diseases and disabilities and provide for specific health care services.  With few exceptions mandated benefits raise the cost of conventional health insurance.  In fact, it is estimated that as many as one out of every four people who lack health insurance have been priced out of the market by costly mandates.  And one insurance company in Massachusetts estimates that mandated benefits add nearly $55 per month to the cost of a policy.