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Mandating health insurance

The requirement to include EHBs applies to all individual and small group plans with effective dates of January 1, 2014 or later.The list of EHBs includes: have to be covered by large group plans ("large group" generally means plans offered by employers with more than 50 employees, although there are four states where "small group" includes employers with up to 100 employees).Mandated benefits (also known as “mandated health insurance benefits” and “mandates”) are benefits that are required to cover the treatment of specific health conditions, certain types of healthcare providers, and some categories of dependents, such as children placed for adoption.A number of health care benefits are mandated by either state law, federal law — or in some cases — both.An example of this is the fact that adult dental care is not one of the essential health benefits mandated under the ACA, nor is adult dental care required to be covered under Medicaid (some states do include dental coverage in their Medicaid programs, while others don't).

Trying to figure out how a mandated benefit will impact an insurance premium is very complicated.Between the federal government and the states, there are thousands of health insurance mandates.Although mandates continue to be added as health insurance requirements, they are controversial.Additional concerns surround the efficacy of mandates, both in regards to how mandates can compel improvements in individual behavior and in regards to the enforcement of mandates when people do not comply.Should the uninsured and struggling be financially punished when they fail to obtain insurance.

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

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