This veto letter by AHIP explains that health insurance plans have taken important steps to address the critical issues of increasing access to innovative, quality health care products and cost control mechanisms that would better allow individuals and small businesses to obtain coverage in the private market.Unfortunately, by restricting how mail-order benefits may be used, H.B.65 fails to promote better access to cost effective care. Mail-order pharmacy services save money for patients, employers, and public programs and provide convenient access to maintenance drugs for patients.