In developing this evaluation the criteria was discussed with numerous actuaries and health policy experts to enable CAHI to state the report is a fair and accurate snapshot of each states health insurance environment. The following six measures of a viable medical insurance market were used in the comparison. The scores from each add up to a maximum of 100:
• Percentage of uninsured – a maximum of 10 points was awarded for states with the lowest percentage. CT received – 10 points.
• Number of state mandates – a maximum of 10 points for states with the fewest mandates. CT received – 0 points.
• State regulatory environment – those with the best regulatory environment received 20 points. CT received – 10 points.
• The cost of health insurance is the primary reason individuals are uninsured
• State legislatures have a significant impact on the cost of medical insurance premiums.• The best way to reduce the number of uninsured is to improve the private market so a range of affordable policies can be offered.