re: #103 lawhawk

You can actually shop around for car or home insurance - and you can choose your level of coverage. That’s something that is fundamentally absent in health care, primarily because it is usually employer-provided. But even when the employer provides several options, you don’t get a true range of options since the states mandate the minimum levels of coverage, which in the case of NY or NJ drives up the costs to such a degree that it puts obtaining even minimum coverage out of the reach of many people.

If states were forced to accept coverage acceptable in other states, the cost of coverage would drop because of the increased competition. That would drive down costs and prices to the consumer. Increasing transparency in the cost of care would drive down costs. What the Administration and Democrats propose is simply shifting who pays and how it gets paid - and puts a government entity in charge of the cost controls.

It would be disastrous if you’re suggesting what Republicans are suggesting, that we should be able to purchase insurance out of state. You don’t think you’re covered now? You can’t get answers from your insurance company now? It’s a terrible idea.

Yes, you can shop around for auto insurance, but the options are about the same as my health insurance options. Granted my employer picks the company and I pick the plan, but is auto insurance much different? All the major auto insurers are practically identical with only a few dollars difference, Allstate, Geico, Prudential. Actually, I was just shopping for new car insurance this week and found them to be almost all the same.

My point above, however, was that my monthly premiums pay for when you have an accident and yours pay for mine.