States Step in On Health Reform

Commentary February 03, 2010 at 07:00 PM
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President Obama's push for a health care overhaul has stalled, thanks largely to the election of Republican Senator Scott Brown. After the results of the special election were confirmed, it's likely that Brown will be sworn in ahead of schedule to guarantee that he is present for critical Senate votes. But just because Obama has slowed down doesn't mean that the states have. Conservative lawmakers in more than two-thirds of the states are forging ahead with constitutional amendments to ban health insurance mandates by the federal government.

Lawmakers in 35 states have proposed legislation rejecting health insurance mandates, according to the American Legislative Exchange Council (ALEC). Many of the proposals are targeted for the November ballot, assuring that health care remains a hot topic as hundreds of federal and state lawmakers face re-election.

Supporters of the state measures portray them as a way of defending individual rights and state sovereignty, asserting that the federal government has no authority to tell states and their citizens to buy health insurance.

In related news, many states are in the process of enacting their own, state-based health insurance mandates. Presumably, conservatives and associations like the ALEC have no problem with this system because it is a matter of state rights. Oregon, for example, is working on legislation that would force insurance companies to rein in double-digit price increases and invest in public health. And California recently passed a bill (SB 810) which lays the foundation for a state-run, single-payer health care system.

Many of the states that are developing bills are still working out the kinks, and those pieces of legislation won't be through the state Congresses any time soon. In fact, by the time they make it through, we might have an answer on the federal plan. Until then, agents need to continue doing what they do best – selling the best plans possible to their clients, and keeping prospects educated and informed.

What do you think? Is a state mandate better than a federal mandate? Or is the health insurance system just fine the way it is? Comment below and let us know what you think!

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