[votemout]

I would like to see tort reform to limit awards on law suits reducing malpractice insurance. And insurance companies being able to sell in 50 states, may make more lower cost plans available and more people insured. If I was younger, I'd want major medical and I could pay for my doctor visits.

This would be a start with no government program increase and no increase in taxes.

[who_would_fardels_bear]

I agree with tort reform and I also believe that doctor visits (and other minor costs) should be handled without insurance.

However, I'm not so certain that allowing insurance companies to cross borders is going to be a panacea.

California already has a large number of insurance companies operating within its borders, and yet they are all jacking up their rates year in and year out.

If we completely lower the walls between states then my fear is that you will have the same thing happening in the insurance industry that happened in the banking industry: a few large insurance companies with a virtual oligopoly on the market making bad decisions in unison and tanking the entire system.

Then of course the government would have to come in and bail them all out as the insurance companies would then be "too big to fail".