Are State Health Mandates reducing Jobs? Best and Worst States for Driving Up Healthcare Costs

Health Care Costs are Rising.  Jobs are scarce. 

Should states be putting more burdens on employers that decrease their ability to hire? What states are making employees more expensive to hire?

The  Small Business & Entrepreneurship Council  publishes an annual  “State Health Care Policy Cost Index.”

If you are an employer you should pay close attention to this study as it identifies the Best and Worst States for Health mandates that drive up health insurance costs.

Idaho is the Best State for Health Care Cost PolicyMassachusetts is the Worst State for Health Care Cost Policy.  Rounding out the Top 5 Best States are Utah, Iowa, Michigan and Ohio.  The bottom 5 includes Washington, Maine, Connecticut and Vermont.

Employers are finding it harder to afford health care costs for employees.  Employers looking for the Best State to hire employees will consider the costs of health insurance.  If you are looking for the Best States for Job Growth this list may matter.
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State                   HSA      GI          CR             M     P/P       Score

1 Idaho 0 0 0.33 0.75 0 1.08
2 Utah 0 0 0.33 1.15 0 1.48
3 Iowa 0 0 0.33 1.25 0 1.58
4 Michigan 0 0 0.33 1.3 0 1.63
4 Ohio 0 0 0.33 1.3 0 1.63
6 Alaska 0 0 0.33 1.4 0 1.73
7 South Carolina 0 0 0.33 1.45 0 1.78
8 South Dakota 0 0 0.33 1.55 0 1.88
9 Pennsylvania 0 0 0 1.9 0 1.9
10 Nebraska 0 0 0.33 1.6 0 1.93
10 Wyoming 0 0 0.33 1.6 0 1.93
12 Dist. Of Columbia 1 0 0 0.95 0 1.95
13 Kentucky 0 0 0.33 1.65 0 1.98
14 North Dakota 0 0 0.33 1.7 0 2.03
15 Oklahoma 0 0 0.33 1.8 0 2.13
16 Kansas 0 0 0.33 1.85 0 2.18
17 West Virginia 0 0 0.33 1.9 0 2.23
18 Missouri 0 0 0.33 1.95 0 2.28
18 Alabama 1 0 0.33 0.95 0 2.28
20 Illinois 0 0 0.33 2 0 2.33
20 Montana 0 0 0.33 2 0 2.33
20 Tennessee 0 0 0.33 2 0 2.33
23 Arkansas 0 0 0.33 2.05 0 2.38
23 Georgia 0 0 0.33 2.05 0 2.38
25 Oregon 0 0 0.66 1.8 0 2.46
26 Louisiana 0 1 0.33 2.15 0 2.48
27 Delaware 0 0 0.33 1.25 0 2.58
28 Virginia 0 1 0 2.75 0 2.75
29 Arizona 0 1 0.33 1.45 0 2.78
29 Mississippi 0 0 0.33 1.45 0 2.78
31 New Mexico 0 0 0.33 2.55 0 2.88
32 Nevada 0 0 0.33 2.6 0 2.93
33 Texas 0 0 0.33 2.7 0 3.03
33 Wisconsin 1 1 0.33 1.7 0 3.03
35 Hawaii 0 0 0 1.15 1 3.15
36 Indiana 1 0 0.33 1.85 0 3.18
37 Minnesota 0 1 0.33 3.2 0 3.53
38 New Hampshire 0 1 0.66 1.95 0 3.61
39 North Carolina 0 1 0.33 2.35 0 3.68
39 Rhode Island 0 1 0.33 2.35 0 3.68
41 Florida 0 0 0.33 2.4 0 3.73
42 New York 0 0 1 2.75 0 3.75
43 New Jersey 1 1 0.66 2.1 0 3.76
44 Colorado 0 0 0.33 2.45 0 3.78
45 Maryland 0 0 0.66 3.15 0 3.81
46 California 1 1 0.33 2.5 0 3.83
47 Vermont 0 1 0.66 1.35 1 4.01
48 Connecticut 0 1 0.66 2.55 0 4.21
49 Maine 0 1 0.66 2.65 0 4.31
49 Washington 0 1 0.66 2.65 0 4.31
51 Massachusetts 0 0.66 2.15 1 4.81

Source:  The Small Business & Entrepreneurship Council’s Small Business Policy Series Analysis #33 February 2009
HSA-Health Saving Account Deductions, GI- Guaranteed Issue for Self Employed, CR-Community Rating Mandate, M- Number of Mandates
P/P- Play to Pay Mandate

States will be looking to attract businesses to grow and relocate in the current economic climate in order to drive job opportunities and tax revenue.  They are reviewing how to increase incentives. Reducing State health care mandates will make it more attractive for employers to hire.

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