Today more than ever, we should open up state limits on providing coverage for everyone. The reason for this is that today with the access to never ending information we can get health insurance quotes from many different websites, carriers, and types of coverage. All of this pretty much instantaneously. This makes shopping for health insurance a lot easier. The issue is we need more competitors for different parts of the country. Therefore, allowing carriers to compete across state lines would affect pricing. The results would be lower costs to us by more competition from the carriers.
There are parts of our country that some carriers dominate and to an extent almost monopolize. There is not enough competition in those areas, we need to increase this. We need to make it easier for carriers to compete.
There are many things states can do by working together that do not need the federal government. This being one of them; it seems simple enough but it is today a roadblock to more affordable health insurance.
We must also keep in mind that in a free society affordable health insurance means something different for all of us. It does; what you think of as affordable health insurance may not be the same to someone else. Even though both may have the same income, age, dependents, etc. It may just simply be that to you, health insurance is more important than taking a vacation to Canada. Whereby your counterpart may think that going to vacation in Canada is more important, therefore they cant afford health insurance.
Who’s decision is that to make?
Should we make health insurance a requirement?
What is affordable health insurance?