The White House proposed a set of rules on Tuesday to improve insurance coverage for mental-health conditions, part of a broader plan to fight rising rates of anxiety, depression and other ailments.

The rules would make it harder for insurers to skirt a federal law that requires them to offer the same type of coverage for mental-health issues as for physical ones. The proposals would also expand the reach of the law to state and local government health plans, a change that the White House estimates would affect about 90,000 workers.

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