re: #226 Gus 802

If people were allowed to buy insurance “across state lines” the end result would be a rise in across the board (state) insurance rates. It’s sort of like pretending to think that “Wyoming rates” would be equal to “California rate”. Or comparing the costs of running health care in Wyoming vs. California. The reason insurance rates are higher in California is a reflection of the regional state costs.

Sorry - can’t agree. i have been a multi-state employer. the smaller the market the easier it is to carve out market position, defend it and raise rates. I have lived it and watched premiums climb higher and higher with each round of “reforms” none of which did anything but give the key, politically connected players more structural advantages and the actual buyers less leverage.

Unavoidable fact is that stratified industrial will have a highly regulated national health service / single payer system and that system will be stingy and will ration care. Otherwise you get oligopolists raising prices against inelastic demand - most people value living.