Government mandating of employee benefits

Federal law includes a number of insurance-related mandates: ACA essential health benefits (EHBs).

The Affordable Care Act was a landmark change in terms of mandated health benefits, creating a universal floor in terms of the essential health benefits that must be included on every new individual and small group health plan in every state.

The papers contained in explore these questions and issues.

Another example is infertility coverage, which is not required under federal law, but is required by several states.

Across those states, there's wide variation in terms of what has to be covered in terms of infertility treatment, which means that the impact on premiums differs significantly from state to state.

But there are also mandates that apply to Medicare and Medicaid/CHIP.

Most people – whether for or against mandates – agree that mandated health benefits increase health insurance premiums.

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