Originally Posted by
krudawg
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
One last note in this topic... This idea of "purchasing over state lines" is counterproductive. There is a reason your credit card bills come from South Dakota or Delaware. Those states give big breaks to the companies as far as taxes and litigation. Your health company would do the same, just set up shop in Utah or Montana and we would all be bound by that states lenient and cozy relationship with the company. If the consumer is the priority, and not the insurance company profits, this idea is a no-go.
Sorry for the thread drift. Back to the scope/jcba topic...