Originally Posted by
beeker
I like what I'm reading but I have questions about that also. What if your state only mandates the bare minimum and another state has all the add-ons. You buy the insurance company's plan in another state, do they honor those add-ons in your state? What is requiring them to do so? If not what cross state purchases would there be? If any of this gets subsidized in any way by the state how would the citizens of state A like the fact they are paying not only for the subsidy for the people of state A but every person that is on their state plan from every other state.
I am not all that versed in this subject but I am always open to new opinions.
Basically, being able to purchase across state lines would allow people to purchase whatever level or gold plated insurance they want/afford. Of course right now, any insurance policy sold, in say California must include all the MANDATES California(that is to say the politicians) requires or it can't be sold in California and thus, if you live in California you can't buy it, period. So your question is not even hypothetical. So let's say that tomorrow, you can buy any policy from any state. You look around and lets say AETNA has a basic health policy with catastophic event coverage that is "allowed" to be available in Alabama and its 30% less because it does not include Pap smears (your a guy, you dont need pap smears) or Alcohol Treatment Programs (You don't drink). You buy it. Aetna will cover you anywhere regardless what state you are in. Hope that helps