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Health insurance mandates: Do mandates reduce (yes) or increase (no) costs/price of insurance?

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  • No, Health insurance mandates do not reduce the costs and price of insurance.

    In my opinion, Health insurance mandates do not reduce the costs and price of insurance and are beneficial to the insurance companies only. Whereas, employer mandated insurance reduces the cost of insurance to the individual and can be of great benefit to the employer also by reducing their cost and lost productivity of unhealthy employees.

  • Health insurance mandates increase costs due to increased regulation. Requires more overhead.

    Health insurance mandates increase the cost of insurance due to the overhead required to appease the new regulations. For instance, a particular mandate that requires that everyone have health insurance means that the insurance companies must prepare for an influx of customers. While this might seem like a good thing, it increases the cost of overhead, which the companies pass on to the customer through increased prices.


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