Commonwealth Fund June 14, 2018
Dania Palanker, Rachel Schwab, and Justin Giovannelli

A handful of states are moving forward with plans to implement state-level individual health insurance mandates in light of Congress’s recent elimination of the federal mandate’s financial penalty, effective in 2019. The Affordable Care Act’s (ACA) individual mandate helped stabilize the insurance market when the ACA’s coverage expansions launched by encouraging healthier people to buy plans. The penalty repeal, in combination with other federal actions, is projectedto reduce coverage by about 8.6 million people and increase premiums.

Against this backdrop, several states are adopting their own coverage requirements. Previously, only Massachusetts had such a requirement in place. Recently, New Jersey passed a state-level mandate that takes effect in 2019, and Vermont passed one that will take effect in 2020, after the issue is studied...