The reforms include:
"Most states have either passed laws, issued regulations, or have taken other measures such as sub-regulatory guidance or exercising policy review to make sure the residents in their states are protected by these new provisions in the law," Collins says. "The fact that 49 states have moved forward to fulfill their role in the implementation of these reforms is pretty significant."
The lone exception is Arizona. "They officially told the researchers in the study that they are not moving forward to enforce the regulations," Collins says. "There is a nuance about some of the stuff the Arizona insurance department itself is taking care of, but the state itself is not moving forward."
"But let's be clear: People are protected by the provisions of the law whether or not their state moves forward with the provisions of the law. If Arizona says it can't pass legislation to implement the rule then obviously the federal government will need to enforce it."