re: #234 karmic_inquisitor

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.

No. Insurance rates are based on the state medical market. Wyoming rates are based on what hospitals and doctors charge in Wyoming. They are not based on what hospitals and doctors charge in California or Hawaii, etc. It would be possible only if you get “Wyoming rate” but it would be pro-rated downward meaning that you would get less coverage. It is like I said much like auto insurance.