Mandated health care is a complicated issue, far too complicated to address in this format. Many times mandates respond to certain political agenda rather than demonstrated need. Most larger employers provide for necessary care under their plans but do not want to be told what they can and can t do. Multi-state employers cannot stand the administrative cost of compliance with multiple mandates from different states. If mandates are driving the cost of medical insurance so high, then less people can afford coverage the laws are self-defeating.
Mandates have a direct relationship to premium and cost.
Excessive mandates will make insurance rates excessive for the underserved. Yes, however they are overused. Unfortunately we live in a society where costs will exclude certain coverages unless mandated. Cost is minimal if required in all states. Mandates generally only make all carriers do what the quality carriers normally provide.