One drum that our opponents keep beating in their effort to stop us from truly reforming the health insurance system is that the real problem is “mandates”—that if Delaware would just get in line with the rest of the country when it comes to mandated coverages, we could reduce the cost of health insurance. Let’s take a closer look at this claim.
The Council for Affordable Health Insurance is the health insurance industry’s research arm, and it publishes the claims on mandates that are parroted by our opponents. Some of its information about Delaware is just wrong. It claims that Delaware has an “autism” mandate. We don’t. It mischaracterizes Delaware’s law stating that care otherwise covered by your insurance can’t be denied because it is part of a clinical research trial as a “mandate.” And most of the things the Lee/Copeland ticket and the insurance industry call “mandates” are things that you would consider the core of what you are buying when you purchase health insurance—they list cancer screening, the right to stay in the hospital when you have a baby, and emergency room treatment as “mandates.” The list goes on. But here is the punchline. Even when you factor in all of the insurance industry’s misrepresentations, when they tally it all up Delaware has the fifth fewest health insurance mandates of any state in America—by the insurance industry’s own estimates!
As I have already pointed out, our opponents’ idea that we can fix Delaware’s health insurance problems by allowing people to simply buy insurance from any health insurance company from any other state, whether or not the insurance companies are licensed or regulated here, is wrong for a number of reasons. First, most out-of-state insurers have no contracts with doctors in Delaware. Health insurance doesn’t do you much good if you can’t go to the doctor. Second, if the last 20 years have taught us anything, it is that insurance companies not subject to proper state oversight will take advantage of their policyholders. I am not prepared to have Delaware health insurance policyholders afforded the same amount of consumer protection as someone who buys a bunch of lawn ornaments from a guy named Sid on Ebay. But finally, the insurance industry’s own statistics show that there’s not even any reason to think that insurers in other states are any more prepared to rush to the rescue of Delaware policyholders than the ones already doing business here.
It is not surprising that our opponents’ solution to the health insurance crisis is to deregulate an industry that is one of the most notorious in America for what it will do to consumers if left to its own devices. But even the insurance industry’s own rigged numbers don’t support their proposal.