A letter to the editor in today's Detroit News hits all the right points on insurance affordability and the ongoing debate in Lansing about how to address the issue.

Is it fair to talk about Michigan having the 12th highest premiums without mentioning that Michigan has the highest mandated benefits? Isn't that like comparing the cost of a Cadillac to a Kia? Of course, the Cadillac costs more, but it also offers more features and benefits to the owner.

Michigan drivers are required to purchase unlimited medical benefits under their no-fault policy. No other state in the country requires their residents to purchase such a high level of benefit. In fact, most states don't mandate any medical benefits and if they do, it is generally about $5,000. That compares with the unlimited, lifetime medical benefits that drivers in Michigan must purchase.