|Selected research from leading health care experts whose findings have a direct bearing on public policies effecting medical progress. Research is chosen based on its quality and relevance by the Medical Progress Today editorial staff.||
The Effect of State Regulations On Health Insurance Premiums: A Revised Analysis
The Heritage Foundation recently released this study detailing how state regulations affects the cost of health insurance. The authors found that increased regulation leads to higher premiums for consumers.
Overall, these results provide solid evidence that the state-level regulations of health insurance are correlated with higher premiums. The regression model estimates that the presence of health plan liability laws increases monthly premiums by $21.84. Laws that give subscribers direct access to specialists increase monthly premiums by $31.15. Provider due process laws increase premiums by $16.62. Finally, each additional mandated benefit increases premiums by $0.75.
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