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.

I still have a problem with accepting policies from other states, which you never addressed.
Some states have higher costs than others. A hospital room in Boston costs much more than many other places.
If the out-of-state insurance has to pay Boston hospital room costs, it will raise their rates for everyone, and if not, the person in Boston who thought he had coverage will end up going bankrupt paying for the uncovered amount for the hospital stay.
Or, if the hospital has to take the loss, they’re going to charge everyone in state more, until everyone buys out of state insurance, and the hospital collapses.

What is your solution to this?