Allow Americans to purchase health insurance across state lines?

[EdwardBaiamonte]

Can you explain how the savings from crossing State lines is suppose to work?

its like globalization more capitalistic competition leads to lower prices and higher quality

 

[EdwardBaiamonte]

I DO NOT UNDERSTAND how this crossing state lines to sell insurance policies would even work if only 10 people in th whole State of Maine want to buy the Insurance plan sold in Colorado....???

if it was a better plan everyone would want to buy it

 

[EdwardBaiamonte]

[
any insurance company can sell insurance in any State, as long as they meet the State Insurance commission's rules and regs....

imagine if every toothpaste company had to have specific product for each state or city. Tooth paste would cost 10 times what it does now.

 

[Slyhunter]

Your article notes that it is essentially illegal to sell across state lines in most of the states. You fail

any insurance company can sell insurance in any State, as long as they meet the State Insurance commission's rules and regs....

and unless the insurance company in Colorado as an example, has a lot of customers in Maine buying their insurance out of Colorado, they would have no means to operate in my State.

Insurance companies develop their policies with IN-NETWORK, and OUT OF NETWORK costs, and without a bunch of customers with a bunch of doctors and hospitals willing to participate in this plan, the plan will never be created.

Thy negotiate their prices within their chosen network, by how large of a group thy have in their plan.....

I DO NOT UNDERSTAND how this crossing state lines to sell insurance policies would even work if only 10 people in th whole State of Maine want to buy the Insurance plan sold in Colorado....???

Can you explain how the savings from crossing State lines is suppose to work?

It would get rid of unnecessary state regulation which is stifling competition.

 

[Doc1]

That's one of the GOP's big selling points of their healthcare 'plan'.

Problem is, it's already allowed.

The Federal government does not prohibit it. Some states do.

oops.

Selling health insurance across state lines is a favorite GOP 'reform.' Here's why it makes no sense

"Selling insurance across state lines is a vacuous idea, encrusted with myths.

The most important myths are that it’s illegal today, and that it’s an alternative to the Affordable Care Act.

The truth is that it actually is legal today and specifically enabled by the Affordable Care Act. The fact that Republicans don’t seem to know this should tell you something about their understanding of healthcare policy. The fact that it hasn’t happened despite its enablement under the ACA should tell you more about about why it’s no solution to anything."

Yes and no, the ACA enables the possibility of selling across State lines, the reality however is that at this point it cannot be done. The ACA plans are PPO Plans and currently there are no National PPO's.

 

[Siete]

It’s such a perennial suggestion that when Len Nichols, a health policy professor at George Mason University and the author of a 2009 paper on the subject, was asked for comment, he said: “Are you kidding me? We’ve been through this about 30 decades ago.”

Selling insurance in a new region or state takes more than just getting a license and including all the locally required benefits. It also involves setting up favorable contracts with doctors and hospitals so that customers will be able to get access to health care. Establishing those networks of health care providers can be hard for new market entrants.

“The barriers to entry are not truly regulatory, they are financial and they are network,” said Sabrina Corlette, the director of the Georgetown University Health Policy Institute.

Neither America’s Health Insurance Plans, the lobbying group for most private insurers, nor the Blue Cross Blue Shield Association have endorsed such a plan when it has come before Congress.

sooooooooooooooo,

NO.

so maybe we further limit health insurance to counties rather than states. That way each county could innovate on its own and set its own standards????

you could but thats counter productive if keeping the program less complicated matters ... more complicated usually = more expensive

but issue is whether you want global competition or just let each state or town have its own control of the health care industry within its borders.

in that case you're an idiot ... global competition ... lmao

which globe are you on ?

 

[Kosh]

That's one of the GOP's big selling points of their healthcare 'plan'.

Problem is, it's already allowed.

The Federal government does not prohibit it. Some states do.

oops.

Selling health insurance across state lines is a favorite GOP 'reform.' Here's why it makes no sense

"Selling insurance across state lines is a vacuous idea, encrusted with myths.

The most important myths are that it’s illegal today, and that it’s an alternative to the Affordable Care Act.

The truth is that it actually is legal today and specifically enabled by the Affordable Care Act. The fact that Republicans don’t seem to know this should tell you something about their understanding of healthcare policy. The fact that it hasn’t happened despite its enablement under the ACA should tell you more about about why it’s no solution to anything."

Oh look a far left drone quoting from a far left blog site, who would have thunk that!

But as we all know the far left hates giving anyone real choices..

 

[EdwardBaiamonte]

It’s such a perennial suggestion that when Len Nichols, a health policy professor at George Mason University and the author of a 2009 paper on the subject, was asked for comment, he said: “Are you kidding me? We’ve been through this about 30 decades ago.”

Selling insurance in a new region or state takes more than just getting a license and including all the locally required benefits. It also involves setting up favorable contracts with doctors and hospitals so that customers will be able to get access to health care. Establishing those networks of health care providers can be hard for new market entrants.

“The barriers to entry are not truly regulatory, they are financial and they are network,” said Sabrina Corlette, the director of the Georgetown University Health Policy Institute.

Neither America’s Health Insurance Plans, the lobbying group for most private insurers, nor the Blue Cross Blue Shield Association have endorsed such a plan when it has come before Congress.

sooooooooooooooo,

NO.

so maybe we further limit health insurance to counties rather than states. That way each county could innovate on its own and set its own standards????

you could but thats counter productive if keeping the program less complicated matters ... more complicated usually = more expensive

but issue is whether you want global competition or just let each state or town have its own control of the health care industry within its borders.

in that case you're an idiot ... global competition ... lmao

which globe are you on ?

if you are opposed to global competition try to put your reason into words.

 

[EdwardBaiamonte]

The truth is that it actually is legal today and specifically enabled by the Affordable Care Act. "
not really:

Washington — The Association is requesting that Congress include provisions of H.R. 372 — a bill that would amend the McCarran-Ferguson Act of 1945 — in future legislation affecting the Affordable Care Act.

In a letter to U.S. House of Representatives Speaker Paul Ryan and Democratic Leader Nancy Pelosi, ADA President Gary L. Roberts and Executive Director Kathleen T. O'Loughlin urged legislators to include the bill, which would authorize the Federal Trade Commission and Justice Department to enforce federal antitrust laws against health insurance companies engaged in anticompetitive conduct.

 

[LoneLaugher]

Wouldn't have any impact on costs.

Talking point bullshit.

 

[LoneLaugher]

The problem with the US health care system isn't government. It's the whole idea that people's health is a tradable commodity. I'm European and I pay way less for at least comparable, if not better healthcare. Our system is government controlled and it's more efficient and cheaper. My wife is American so I can make these claims both by personal experience and researchable facts.

I have heard that before, yet Canadians flock to the US for care. Shorter wait time for one thing.

Nope. Not true at all. Weak talking point.

 

[LoneLaugher]

Your article notes that it is essentially illegal to sell across state lines in most of the states. You fail

So if Federal government allows it, it's irrelevant.

If the Federal government forces it, then one might think that conservatives would object to the federal government interfering with the states.

Try to keep up here. The OP's premise of a national free market insurance market being legal is a myth. There was obviously many other problems present in the law to make it unworkable. Simply saying it was okay to offer the plans, does little to make it reality. It is the federal government's interference that makes it a problem. Again it boils down to free markets and less government.

I agree. Competition brings prices down and if all insurance companies have to compete for you're dollar prices will go down.

Don't know bout you but I'm the cheapest bitch on the planet and I shop for the best I can get for the lowest price. So will everyone else. Insurance companies will have to lower prices to compete for you're dollar.

The problem with the US health care system isn't government. It's the whole idea that people's health is a tradable commodity. I'm European and I pay way less for at least comparable, if not better healthcare. Our system is government controlled and it's more efficient and cheaper. My wife is American so I can make these claims both by personal experience and researchable facts.

Thanks for the info but I doubt you're country had 300 million citizens or a Govt. that turns everything into red tape, mountains of paperwork and log waits.

Glad it works for you but I seriously doubt it would work here in America.

BS talking point jibberish.

 

[LoneLaugher]

The problem with the US health care system isn't government. It's the whole idea that people's health is a tradable commodity. I'm European and I pay way less for at least comparable, if not better healthcare. Our system is government controlled and it's more efficient and cheaper. My wife is American so I can make these claims both by personal experience and researchable facts.

I have heard that before, yet Canadians flock to the US for care. Shorter wait time for one thing.

I can attest to that.

I have a Canadian friend who came here for surgery for breast cancer.

She couldn't get treatment in Canada because of the long wait.

She came here, got the treatment she needed and is alive and well today. Hell. She'd probably still be waiting for treatment in Canada or she'd be dead.

Bullshit.

 

[LoneLaugher]

According to the Fraser Institute, the average Canadian family paid approx $11,735 for HCI in 2015. Everybody pays in; no exceptions. Try selling that to the American public.

I love averages. They are so revealing.

How much does a family with an income of $50,000 pay?

Fool.

 

[debbiedowner]

Your article notes that it is essentially illegal to sell across state lines in most of the states. You fail

As of 2016 health insurer's could sell across state lines. No insurer's took advantage. Can't set up network of provider's in Kansas if you purchase a plan in Texas.

 

[debbiedowner]

It’s such a perennial suggestion that when Len Nichols, a health policy professor at George Mason University and the author of a 2009 paper on the subject, was asked for comment, he said: “Are you kidding me? We’ve been through this about 30 decades ago.”

Selling insurance in a new region or state takes more than just getting a license and including all the locally required benefits. It also involves setting up favorable contracts with doctors and hospitals so that customers will be able to get access to health care. Establishing those networks of health care providers can be hard for new market entrants.

“The barriers to entry are not truly regulatory, they are financial and they are network,” said Sabrina Corlette, the director of the Georgetown University Health Policy Institute.

Neither America’s Health Insurance Plans, the lobbying group for most private insurers, nor the Blue Cross Blue Shield Association have endorsed such a plan when it has come before Congress.

sooooooooooooooo,

NO.

Not only setting up networks of provider's is nearly impossible you have each state with an array of different mandates's set forth for the health insurance sold in that particular state. Would not save money some states have at least 52 mandates that have to be included in every contract.

 

[Remodeling Maidiac]

That's one of the GOP's big selling points of their healthcare 'plan'.

Problem is, it's already allowed.

The Federal government does not prohibit it. Some states do.

oops.

Selling health insurance across state lines is a favorite GOP 'reform.' Here's why it makes no sense

"Selling insurance across state lines is a vacuous idea, encrusted with myths.

The most important myths are that it’s illegal today, and that it’s an alternative to the Affordable Care Act.

The truth is that it actually is legal today and specifically enabled by the Affordable Care Act. The fact that Republicans don’t seem to know this should tell you something about their understanding of healthcare policy. The fact that it hasn’t happened despite its enablement under the ACA should tell you more about about why it’s no solution to anything."

Competition ALMOST ALWAYS drives down prices. Stick your big fat head full of marbles back in the dirt.

 

[debbiedowner]

Your article notes that it is essentially illegal to sell across state lines in most of the states. You fail

any insurance company can sell insurance in any State, as long as they meet the State Insurance commission's rules and regs....

and unless the insurance company in Colorado as an example, has a lot of customers in Maine buying their insurance out of Colorado, they would have no means to operate in my State.

Insurance companies develop their policies with IN-NETWORK, and OUT OF NETWORK costs, and without a bunch of customers with a bunch of doctors and hospitals willing to participate in this plan, the plan will never be created.

Thy negotiate their prices within their chosen network, by how large of a group thy have in their plan.....

I DO NOT UNDERSTAND how this crossing state lines to sell insurance policies would even work if only 10 people in th whole State of Maine want to buy the Insurance plan sold in Colorado....???

Can you explain how the savings from crossing State lines is suppose to work?

You must be in the business also, you're right it won't work and politician's should have stayed out of the health insurance business.

 

[Markle]

I'm European and I pay way less for at least comparable, if not better healthcare. Our system is government controlled and it's more efficient and cheaper.

It may appear cheaper, but it is not. You pay through the nose in taxes. As you well know. I don't know which specific country you are referencing, but the vast majority have a lower quality healthcare. Why do so many people of means travel to the US for particularly difficult procedures?

 

[Markle]

I can attest to that.

I have a Canadian friend who came here for surgery for breast cancer.

She couldn't get treatment in Canada because of the long wait.

She came here, got the treatment she needed and is alive and well today. Hell. She'd probably still be waiting for treatment in Canada or she'd be dead.

Canada puts out a study each year showing the outrageous time they must wait for any specialist. Women with complicated pregnancies are sent to America for treatment. They don't have the facilities in Canada. Once illegal, their Supreme Court forced the legalization of private, cash-only practices. So in effect, they have two standards of healthcare. One for the commoners and another for the wealthy.