Insurers argue that they provide the services that the market dictates and that their products meet consumer demand. "We design our benefit plans to reflect market demands ... We believe our mental-health benefits are strong, and this is a mandate, not a market-driven decision." Mental-health advocates point to studies in other states showing that health-insurance costs go down when people can access the appropriate care by lowering their reliance on primary-care physicians, for example, and turning to therapists instead. Full Article at AZ Central.com