The Maryland legislature is now considering bills (SB 759, HB 783) that would require comprehensive insurance coverage for autism, including coverage of evidence-based treatments like Applied Behavior Analysis (ABA). Twenty-three States already have similar laws. In this environment of budget deficits, it is natural to look at new laws through the lens of costs. Most people have a sense that the societal cost of autism is high, but few realize how high.
In 2007, researchers at Harvard conducted a study which found the average lifetime costs to society for each person with autism is nearly $3.2 million (i). These costs included direct medical costs, non-medical costs like special education and supported employment, and indirect costs like lost productivity. But it is never wise to immediately accept one study without corroborating evidence. A separate 2007 study, conducted using a different data source by researchers at Yale, looked only at the direct medical costs and arrived at a figure very consistent with the Harvard team’s result (ii). The Yale authors noted the importance of covering these costs, like SB 579/HB 783 will. They state “if public and private insurance programs are not designed so that coverage for people with ASDs is appropriate, access to care for these patients will be compromised.”
Perhaps even fewer people realize the timing of these costs across a person with autism’s lifespan. The Harvard researchers write:
Although autism is typically thought of as a disorder of childhood, its costs can be felt well into adulthood. Adult care, which has the largest lifetime cost of all direct costs, is typically more than 5 times larger than the next 3 largest costs, which include care incurred during childhood.
Their data show that the large majority of societal spending happens after age 18. Non-medical and indirect costs make up the lion’s share of that adult spending. So it is spending like adult employment programs, sheltered living arrangements and the lost wages of unemployed individual with autism and their caregivers that strains and will continue to strain Maryland’s economy.
Can we do anything about it? Can comprehensive autism insurance help? The answers are yes and yes. By providing access to therapies like ABA to more people with autism earlier in their lives, those individuals can learn the skills and build the competencies they need to become more independent and productive in society. The investment in intervention more than pays for itself over time.
That statement is not wishful thinking. It is the conclusion of additional cost research.