Trump says he will write law letting ppl buy health insurance across state lines.

[Care4all]

Encouraging and increasing competition only drives prices lower.
Duh.

Duh....the insurance companies can operate in any state they want to now....

How does Trump's E/O change what already exists???

Is Trump saying insurance companies no longer have to operate within the Insurance laws and regulations that each state has legislated?

That's unconstitutional for the president to over rule State Law with an E/O, and the receiver of insurance would no longer be protected by their state....?

 

[RoshawnMarkwees]

Encouraging and increasing competition only drives prices lower.
Duh.

Duh....the insurance companies can operate in any state they want to now....

How does Trump's E/O change what already exists???

Is Trump saying insurance companies no longer have to operate within the Insurance laws and regulations that each state has legislated?

That's unconstitutional for the president to over rule State Law with an E/O, and the receiver of insurance would no longer be protected by their state....?

If state law violates antitrust legislation then a president would have an executive obligation.

 

[Spare_change]

Makes no sense....Will the insurance co.many from another state have a network of doctors and hospitals in my state, just for me and maybe 50 other people?

Yes. Doctors sign up with several insurance networks simultaneously.

 

[theDoctorisIn]

Encouraging and increasing competition only drives prices lower.
Duh.

How do you plan on getting insurance companies to sell their insurance over state lines?

When a new insurer sells the same plan for less.

If it's that easy, what's stopping you?

 

[theDoctorisIn]

Encouraging and increasing competition only drives prices lower.
Duh.

Duh....the insurance companies can operate in any state they want to now....

How does Trump's E/O change what already exists???

Is Trump saying insurance companies no longer have to operate within the Insurance laws and regulations that each state has legislated?

That's unconstitutional for the president to over rule State Law with an E/O, and the receiver of insurance would no longer be protected by their state....?

If state law violates antitrust legislation then a president would have an executive obligation.

What exactly are you talking about? What anti trust legislation that you're referring to?

 

[Care4all]

Makes no sense....Will the insurance co.many from another state have a network of doctors and hospitals in my state, just for me and maybe 50 other people?

Yes. Doctors sign up with several insurance networks simultaneously.

And Hospitals? And how does the insurance company and doctor and hospital negotiate the price they will pay/receive, if they do not know how many people will enroll in their plan from another state.... how can insurance policies be cheaper without the insurance company having thousands of assured customers to dangle before them?

And do these insurance companies newly offering insurance in another state still have to follow each State's laws and regs and answer to each State's insurance commissioners like they have to now if they operate in more than one state??

 

[RoshawnMarkwees]

Encouraging and increasing competition only drives prices lower.
Duh.

How do you plan on getting insurance companies to sell their insurance over state lines?

When a new insurer sells the same plan for less.

If it's that easy, what's stopping you?

I already have good health coverage.

 

[RoshawnMarkwees]

Encouraging and increasing competition only drives prices lower.
Duh.

Duh....the insurance companies can operate in any state they want to now....

How does Trump's E/O change what already exists???

Is Trump saying insurance companies no longer have to operate within the Insurance laws and regulations that each state has legislated?

That's unconstitutional for the president to over rule State Law with an E/O, and the receiver of insurance would no longer be protected by their state....?

If state law violates antitrust legislation then a president would have an executive obligation.

What exactly are you talking about? What anti trust legislation that you're referring to?

It's essentially like pro sports before free agency. The states acting like a league, violating antitrust law.

 

[Spare_change]

Encouraging and increasing competition only drives prices lower.
Duh.

Duh....the insurance companies can operate in any state they want to now....

How does Trump's E/O change what already exists???

Is Trump saying insurance companies no longer have to operate within the Insurance laws and regulations that each state has legislated?

That's unconstitutional for the president to over rule State Law with an E/O, and the receiver of insurance would no longer be protected by their state....?

Actually, that's not quite true.

Each company operating within a state are required to: 1) obtain a state license, 2) establish a physical location in the state. Take a close look at your insurance policy --- it will say something like "ABC Mutual of Michigan" - that is a separate division established in that state. The massive amount of duplication drives up the cost of insurance.

Makes no sense....Will the insurance co.many from another state have a network of doctors and hospitals in my state, just for me and maybe 50 other people?

Yes. Doctors sign up with several insurance networks simultaneously.

And Hospitals? And how does the insurance company and doctor and hospital negotiate the price they will pay/receive, if they do not know how many people will enroll in their plan from another state.... how can insurance policies be cheaper without the insurance company having thousands of assured customers to dangle before them?

And do these insurance companies newly offering insurance in another state still have to follow each State's laws and regs and answer to each State's insurance commissioners like they have to now if they operate in more than one state??

The same applies to hospitals - they have divisions of people who deal with multiple insurance companies. From a service aspect, nothing changes from today. What changes is the cost of doing business. As for cost, the companies will establish a standardized cost structure, in which they will essentially pay the same price for a procedure nationwide (much the same as they do today). This will enable them to cost average the coverage. I presume there will be some kind of "cost of living" adjustment for higher cost areas (the big cities). But, essentially, the baseline will be the same everywhere.

For your question about why it can be cheaper - current state laws require insurance companies to establish a physical presence in state. The insurance company must be registered (as a company) in the state. Large insurance companies currently establish subsidiaries in each state. Each subsidiary requires physical assets and locations, management staffs, accounting, etc. This massive duplication, as well as decentralization of management, adversely affects the overhead cost of insurance. When you couple management cost savings with procedure cost averaging, you can easily see how the cost can go down. Then, on top of all that, you had the impact of competition and price shopping, it's easy to see how it can help hold the line on medical costs.

As for the state laws - nothing will change (unless states want to change it) - state laws, and state insurance commissions will still control the insurance in your state.

There is no difference between competing for the buyers in your state, whether they are being pursued by a subsidiary (now) or a large company located somewhere else. The same pool of people are targeted - and the company will expect to get the same number of customers no matter the structure. Centralized management will, of course, drive the cost down, and will make the market more competitive.

 

[Political Junky]

Executive orders are not to be used for writing laws. They are for a president to say how he will enforce an existing law. The constitution says "All legislative powers herein granted shall be vested in a congress of the united states.".

Trump preparing executive order to let Americans purchase health insurance across state lines

sep 27 2017 President Trump is preparing an executive order to allow people to purchase health insurance across state lines, a reform conservatives have long championed as a way to bring costs down and stir greater competition in the national marketplace.

Kentucky Sen. Rand Paul first mentioned the action during a TV appearance Wednesday morning, saying Trump was considering taking matters into his own hands.

"I think there's going to be big news from the White House in the next week or two, something they can do on their own," Paul told MSNBC, adding that Trump "can legalize on his own the ability of individuals to join a group or a health association across state lines and buy insurance."

A Senate GOP source told the Washington Examinerthe executive action is considered "a done deal" and likely to be announced "in the next few weeks."

Trump later confirmed to reporters he is likely to issue an order permitting "people to go out across state lines, do lots of things, and buy their own healthcare."

Cons have been promising this for years.

 

[ShootSpeeders]

Wrong.
Health care insurance goes back to the 1920s.

HAHAHA. You can't read. I said 60 years ago MOST americans did not have health insurance though of course some did. Damn but you're stupid.

 

[ShootSpeeders]

Executive orders are not to be used for writing laws. They are for a president to say how he will enforce an existing law. The constitution says "All legislative powers herein granted shall be vested in a congress of the united states.".

The ACA law has wording "the Secretary [of HHS] shall deem" which give the President the right to interpret the law and make legal whatever he wants regarding how ACA is implemented.

First time i heard that but even if true it doesn't matter. Congress cannot transfer it's constitutionally given legislative role to the executive branch. If you want to alter the constitution, you have to go thru the amending process. THINK