Health Insurance Mandates Show Why Regulatory Reform Is Needed
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The regulation on essential health benefits is a prime example of why such regulatory reform is needed.
– In its analysis accompanying this regulation, HHS cites three studies that find health insurance contracts to be so complicated that consumers have trouble understanding them.
– The logical solution, according to HHS, is to take away a lot of choices by requiring consumers to buy coverage they may not want.
– As a result, teetotalers must belly up to the bar to pay for substance abuse treatment coverage.
– Gay men may be unhappy to learn that their premiums are now higher to cover the costs of pregnancy and birth.
– Empty nesters must spend some of their nest egg on pediatric dental coverage.
– And people who rationally decided that mental health coverage wasn’t worth the cost to them must now buy it anyway.
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