Final answer:
Group health insurers are not universally required to offer chiropractic coverage; it depends on state laws and the specifics of the employer-selected health insurance plan.
Step-by-step explanation:
The question of whether group health insurers must provide or offer chiropractic coverage is not answered with a simple yes or no, as it varies by state law and the specifics of the insurance plan in question. Although the employer mandate requires all employers with more than 50 employees to offer health insurance, the inclusion of specific types of services such as chiropractic care can depend on the insurance plan chosen by the employer and regulations governing health benefits in the state where the insurance is offered.
U.S. healthcare coverage is divided into public healthcare and private healthcare, with the latter including both employment-based insurance and direct-purchase insurance. Insurance markets can suffer from issues like adverse selection, but these concerns are separate from the mandated benefits within an insurance plan. Therefore, whether chiropractic services must be covered will depend on the employer's selected plan and local state laws.