[CincyRichieRich]

>>>There he replace is replace with HSA and free market principles like competition across state lines.
...

Help me understand how this works. I live in Alabama. If an insurer in say Nevada has a cheaper plan, but all of the in network doctors and hospitals are in Nevada, how does this help me?

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Since we’ve been forced through time to monolithically think like that, I see your point. However, phone calls are free as are electronic communication...imagine if the insurance company in Nevada negotiated a reimbursement for a procedure in Delaware, where you traveled and broke your arm. That is how it should work, not be limited to hospitals and care providers only in that state...that is how prices remain non competitive and oligopoly like.

[oincobx]

>>>However, phone calls are free as are lectronic communication...imagine if the insurance company in Nevada negotiated a reimbursement for a procedure in Delaware, where you traveled and broke your arm.

So if I wake up sick some morning, I call my in insurer Nevada. The insurer calls my doctor and negotiates a price for the visit. Then the insurer calls me back to tell me to go ahead. I then call my doctor to make an appointment. Meanwhile, the doctor’s office is having similar negotiations with multiple insurers. That doesn’t sound very cost effective for the doctors or insurers and not very convenient for users.