If Walmart can charge the exact same price for a product nationwide no matter what city or state it’s in so can insurance companies. lol
They are scamming everyone into thinking it costs twice as much to do business in one area as another when ALL the approvals come from one central corporate source in one state.
The highest rate is going to get you the same denial of claim as the lowest rate no matter where you happen to be. You are just being forced to pay more for that same denial depending on state.
The most they can that the locals can afford.
Someone that wants to shave a few points does so planning on the increased traffic offsetting the lower price.
Insurance is the REASON health care costs are what they are.
The insurance company guarantees the health care provider a large bag of money for their services, the health care provider charges astronomical fees to dissuade all but the most well off from paying their way out of pocket, and both the insurance and health care providers enjoy a higher standard of living.
Nice scam.