Why can’t we buy insurance across state lines?
Why can’t we buy GUNS and AMMUNITION across state lines?
I have bought and sold guns across state lines. Just follow the laws, ship UPS. But states each have their own laws and minimum insurance requirements.
A USSC divided evenly between pro and anti Constitutionalists leaves an ocean wide hole for effective repeal of the 2nd Amendment, at least within certain judicial circuits. How did the Republic come to this pass wherein nine or fewer judges ARE the Constitution of the United States?
A USSC divided evenly between pro and anti Constitutionalists leaves an ocean wide hole for effective repeal of the 2nd Amendment, at least within certain judicial circuits. How did the Republic come to this pass wherein nine or fewer judges ARE the Constitution of the United States?
Luckily, we can buy beer, groceries, hookers, stamps, golf clubs, cars, dogs, pumpkins, lumber, screwdrivers, and houses across state lines.
I think this state line thing is a mythical discussion item among insurance companies because in each state....there are certain cost items which relate to X, Y and Z. So, you and the finance wizard could assemble data and draw conclusions that this procedure in this state will cost this amount and they can relate insurance premiums in this way. The minute that you said it was national, and a guy in Ala might be getting treatment in NY City or Vegas....well, it’d be tough to predict the cost
“Why can’t we buy insurance across state lines?”
The idea that buying across state lines would save money is a myth for several reasons.
The state insurance commissions dictate what coverage must be provided within a state. Adjacent states will likely have different coverage requirements. Different coverage requirements means different costs.
Second, the costs of providing medical coverage are also a function of the state. An insurance company providing coverage in Alabama will face different costs than one providing coverage in New York. The physicians will cost more, their offices will cost more, etc. Then too, their liability insurance costs will differ.
Third, you could perhaps save some money but you would have to travel to the state where your insurance contract is written to get coverage.