Gov. Chet Culver of Iowa proposed a group of insurance company mandates designed to make healthcare more affordable while laying the foundation for universal coverage, such as requiring insurance companies to permit young adults to stay on their parents' insurance plans until their 25th birthday. Insurance companies also would be compelled to give coverage to individuals who switch from group plans to individual plans, without a waiting period for the new plan to begin or underwriting the person for pre-existing conditions which were previously covered.