Mandating health insurance
An Ever-Expanding Federal Minimum Benefits Package. PPACA’s benefit-setting provisions will result in a uniform federal minimum health insurance benefit package dictated by HHS from 2014 onward.Because PPACA also instructs HHS to “periodically update” this minimum benefit package, insurers and employers will likely need to alter their plans each year so as to remain compliant with a constantly evolving set of coverage mandates imposed by HHS. Broad Discretionary Authority for HHS.This will effectively make all health insurance benefits uniform—depriving patients of choices—increase the cost of coverage for tens of millions of Americans, and stifle insurance innovation.
The result will be higher premiums for tens of millions of Americans.For decades, the states had tried and mostly failed to reverse these trends.Some states are too small, and state-level reformers are limited because citizens move around and employers and insurance companies operate across state lines.On any given day, over two-thirds of Americans aged fifteen and older are behind the wheel of a car for at least an hour.
Auto insurance laws regulate a necessity (and recognize that driving is important even for high-risk drivers, who are included in special pools where they pay higher rates).Even though not many people will be affected, conservative critics decry the mandate as unwonted “coercion” – yet few of those critics complain about state laws forcing all drivers to purchase auto insurance.