Posted on 09/28/2017 9:39:21 AM PDT by SeekAndFind
Donald Trump is preparing an executive order that would achieve a long standing goal of insurance reform advocates.
The president's executive order will reportedly allow individuals to join group plans from out of state. Current law allows companies to sell across state linesn but due to red tape and resistance by state insurance officials, most companies refuse to take advantage of the opportunity. The order would allow consumers to join associations and group health plans located in other states.
Current law allows companies to sell health insurance across state lines, but so far few have offered out-of-state policies. To date, although all states have the authority to do so, only six have enacted across state lines legislation.
And even among states that passed laws to allow out-of-state sales, no insurer has entered the market. Skeptics point out the difficulties that companies face in developing a health insurance product that can be sold in multiple states. They include challenges in building a provider network with competitive rates, regulatory and administrative differences across states and the impact on risk pools that could result in higher premiums for less-healthy individuals.
Proponents of the plan insist it can be done.
Sen. Rand Paul, R-Ky, touted the idea Wednesday morning on MSNBC's Morning Joe.
"I believe President Trump can legalize, on his own, the ability of individuals to join a group or health association across state lines to buy insurance," said Paul.
While the White House has not offered further guidance on the executive order Trump mentioned, Paul said he’s discussed his proposal with the president.
(Excerpt) Read more at americanthinker.com ...
Only the beginning, only just a start.
FREEDOM OF ASSOCIATION............................
What incentive does an insurance company from Alabama have to sell coverage in New York if they don't have contracts in place with a network of doctors and hospitals in New York?
The same thing goes for the other side of this. Someone walks into his doctor's office in New York and says: "My new insurance carrier is ABC Insurance of Alabama." The doctor looks at his card and says: "So? Who the hell are they?"
If you go and look at the German system of health care insurance...while there are 16 states in Germany...there is only one rate for each company and the type of policy in question.
Course, each state insurance board are going to get very peeved about the President overruling their authority on this cross-border thing.
RE: What incentive does an insurance company from Alabama have to sell coverage in New York if they don’t have contracts in place with a network of doctors and hospitals in New York?
They don’t have to compete in the Blue states at the first instance. All we need are several red states (yes Alabama included) agreeing to open up their markets to inter-state competition and let’s see how the healthcare costs result.
States are the laboratories of Democracy and they could start with the red states. If this works to lower healthcare premiums ( and competition ALWAYS does that ), I don’t see why the Blue states, upon seeing this, won’t follow suit.
We don’t have to start in one big bang.
Counter headline:
American left readies lawsuit to file in forum shopped jurisdiction that states healthcare EO is invalid.
Meet the new totalitarian regime-leftists in black robs.
Just a little pet peeve of mine, there is no such thing as ‘health insurance’ in the United States anymore. Mandatory participation in socialized medical care, enforced by penalties has no resemblance to the traditional meaning of “insurance” and all that the term implies.
More competition = better pricing.
IMO, insurance should just go back to how it started ... hospital stay coverage. Make for that and catastrophic care only and watch the prices of regular medical care drop.
Delta Dental processes claims for multiple states in Michigan. I don’t see the difference. It’s all about politics. They don’t want to do it because they will loose invites to dinner party’s! If these insurance company’s weren’t feeding off the public trough, this would happen quickly.
Delta Dental processes claims for multiple states in Michigan. I don’t see the difference. It’s all about politics. They don’t want to do it because they will loose invites to dinner party’s! If these insurance company’s weren’t feeding off the public trough, this would happen quickly.
That’s a great incentive for the customer but not much of an incentive for an insurer at all. Why would an Alabama insurance company even want to get involved in the New York market if they aren’t going to sell a ton of plans up there?
Good. Let the fight on this begin. It may START with an EO but it won’t end there.
What’s the cost of running a business in Alabama compared to the cost of running a business in NY?
Obviously, from your world view, there is only one way to improve your lot.
Remember to slit your wrists the long way, not across. Slicing your wrist across is not an effective method of suicide...just a pathetic cry for sympathy.
I’d rather see the Trump administration do something a hell of a lot more effective — like granting Obamacare waivers to any insurance company that asks for one, even if the plan that is being offered doesn’t meet any Obamacare mandates for coverage.
That’s the elephant in the room and no one will address it.
Too much money involved.
I agree, health insurance should be more like car insurance. It’s the only way it will be affordable again.
The power over healthcare is not delegated to the United States by the Constitution, nor prohibited by it to the States, therefore, the power over healthcare is reserved to the States respectively, or to the people.
Amendment 10
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