Posted on 12/04/2016 6:57:03 AM PST by ColdOne
No it isn't because the Supreme Court has ruled in the past that insurance policies are contracts and not commerce.
States don’t have the right to play favorites among vendors from the various States.
Not in all cases, no.
You stop doing that. My carrier albeit a group, actually shops around for me when it comes to a procedure. Most recently they saved $1400 by having me drive 1/2 hr to another town.
I'm assuming that they will want to make money even more. Hard to see how they will do it with me if their costs are higher than the average policy holder and they charge me the same premiums they charge their other policy holders.
They probably won't charge you the same if you have lots of claims, and they allow unlimited underwriting. Premiums are based on claims, that only makes sense. The more claims you make, the higher risk you are.
If they can't make any money on you, they probably don't want you.
Maybe you can find a group plan and get in under the guaranteed issue provision, or make a deal with the carrier to cover everything but heart issues.
What exactly do you expect to happen? Free?
What I predict will happen will be a massive number of acquisitions and mergers as the state-level insurance providers are swallowed up by national conglomerates who will set up a legal fiction that they’re based in whatever state offers them the best conditions for operations. If you think Mom & Pop’s Mississippi Health Insurance Company is going to compete in that world, you’re dreaming.
This delay is all about GOPe’s friends setting up their business dealings to take advantage of us again.
Yeah, what's wrong with that. That's exactly what will happen and it's no fiction. The states with the most favorable public policy had the best insurance...they will again.
The carriers in market adverse states will "wither on the vine" nobody will buy the crap and they will go bust. That's exactly the "competition" Republicans are talking about.
It may spur the idiot-states to get with the program, but they probably won't, the liberals aren't bothered by chronic failure. But this mechanism will give relief to those people residing in the blue states. Incidentally, what's good for the insurers, the ability to sell a lightly regulated med coverage (not "healthcare") is also the best deal for consumers.
They need lots of young healthy families, who may have an occasional pregnancy or broken arm, not to be heavily over-laden with psychos, AIDS patients and chronically ill applicants (the adverse-selection
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