2. The doctors in California won't accept patients with the Kansas insurance coverage because they won't be willing to treat patients for the low payments the Kansas insurers will be offering.
3. The Kansas Insurers will pay a set fee per procedure, no matter where the insured lives. If you live in a high-priced state or want a Beverly-Hills doctor with sky-high fees, YOU pay the difference.
You want affordable health care? Get your state to bring its healthcare regulations in line, or move.
Not true at all. Insurance companies control costs by establishing networks of providers. The insurance company directs the patient to the provider and in turn the provider charges a set, negotiated price to the insurance company. If the provider is not within the company's network then the provider can charge anything they want to and the insurance company has to pay it. That's why policy holders pay a higher percentage and a higher deductible for out of network service as opposed to in-network service. If a single person in California wants to buy a policy from the Kansas company then they aren't going to go to the expense of establishing a network. They aren't going to make any money off the California customer. They will, in all likelihood, decline that person's business.
You want affordable health care? Get your state to bring its healthcare regulations in line, or move.
Won't make a difference. Out of network is out of network no matter what state you are in.