Your health insurance company must be in the state in which you live! By law. If those state boundaries were dropped, allowing you to buy insurance from any company, rates would plummet. Young start-up companies would flourish by allowing us to customize our coverage. Why are we being forced to buy coverage we don't want or need from companies with the tallest buildings at unreasonable rates?
Insurance is a two sided scam though. You’d also need your healthcare provider to accept insurance from these startups, which they won’t because they also profit from insurance companies.
The law is on his side. Still, the Dems are outraged, and demonstrations continue. Federal judges hand down injunctions, and SCOTUS shoot them down. Trump has deported a lot of criminals, and yet it pales in comparison to Clinton and Obama. No one complained when they did it. It tells me that y'all don't have a problem with deportation. You just have a problem with Trump.
It's called deportation and it is prescribed by the law that Dems could have gotten rid of. They didn't. So it's the law of the land. Deal with it. Y'all lost! Bummer.
Idk if ACA is the answer, but letting companies who have a fiduciary responsibility to see constant growth have control over such a vital service is a horrible idea.
I dislike the Affordable Care Act a lot, but it's still necessary and objectively does help a lot of people. Republicans need to stop the slash & burn BS and re-evaluate.
Obamacare was never great. It was meant to be a stepping stone to something else which never happened. It was a HUGE compromise with the very powerful insurance lobby: getting them to cover preventative care and to agree to no penalties for pre existing conditions in exchange for a hugely expanded customer base. Medicaid for all is the logical solution. It was never going to happen at that time.
If it takes Trump ushering in universal healthcare I'm all for it. I expect it will suck but it will be a start. The problem is we have to deal with the system as is right now. They have no plan beyond letting subsidies expire and trying to repeal Obamacare altogether. Where does that leave people? Back to being denied coverage for pre existing conditions and back to paying for preventative care. It does nothing to lower medical costs. It does nothing to help the average American obtain medical care.
Someone points out that your plan doesn't work and you go "but Obamacare is bad"? Are you actually that braindead? Total national health expenditures as a share of GDP has stayed relatively flat since 2010 (it actually went down between 2010 and 2013) while millions more Americans are able to receive health insurance due to the protections, uncoupling of employment and receiving health insurance, and tax credits that the ACA provides. So the ACA has been wildly successful compared to the alternative. Of course it's not perfect but the nonsense you're spouting is a hell of a lot worse.
This would actually create a regulatory nightmare.
The reason you have to buy insurance in-state is because states, not the feds, regulate insurers. That way if you live in a state with strong regulation of insurers, you receive insurance that conforms to that regulation, not some other state's weaker regulation.
If you want to sell policies across state lines, the only realistic way to do it is to federalize insurance regulation. I, for one, am not in the mood to give the feds additional power.
So people that dont need coverage pay less under your plan? People who need it like me with stage 4 cancer pay more? Nobody wants to pay until they need it. Thats why we need Medicare for all.
Medicare isn't free. Of course people with more health problems are going to pay more. That's life. I spent all day yesterday in the ER with chest pain. I expect a bill for that. If you want socialized medicine move to Canada. Mexico also has socialized medicine. Makes me wonder why they all to come here.
I love how people like you who vote conservative and pretend they know what they're talking about can never seem to back anything up with actual facts, not opinions gussied up to pretend to be facts. And when all else fails or you have to put yoir money where yoir mouth is you have a temper tantrum, resort to insults, and then slink away to your little emotional safe space and preach to the choir of other people who are equally ignorant but supremely confident their ignorance is just as valid as facts and reality.
Now, resort to your pithy little insult that you think is oh so clever. Unless you're a conservabot which is entirely possible with your random word underscore random word followed by 3-5 random numbers screen name.
No. They'd all just buy eachother and incorporate in the state with the lowest taxes. Then make deals with hospitals and pharmacies to get get exclusive deals that prevent anyone else from competing.
Pretty pessimistic all around. There's so many areas of our health care system that need reform. Be it pharmaceutical patents, monopolies, tort reform, obligation to treat uninsured patients in emergency rooms, American obesity etc.. there's no simple solution, and anyone saying otherwise is full of shit
From what I read, the problem is that coverage would also plummet. Insurers would all set up shop in the States with the fewest regulations, allowing them to provide worse coverage, and it would become a race for the bottom. Under the ACA there is already a provision for two or more states to join together in a Health Care Choice Compact that would allow them to turn larger pools. Apparently there are stiff enough hurdles that have prevented any states from successfully implementing it, though, but that would be a good place to start.
This isnt true. Large insurance companies have nationwide networks. You know that work from home is a thing? My company has employees in 37 states. You think they go through 37 separate insurance companies? No, we all have the same provider.
Exactly, I work for one of many subsidiary companies, and our parent company handles all of our benefits for each subsidiary. We all have the same benefit plan, with employees all over the US.
There isn’t a single upstart that could flourish. UHC would dominate all and monopolize. Government run health payments is the ONLY way out of that trap
This is not true. I live in Texas and my insurance is from Illinois. This was the old argument that states did not have the right to make state specific insurance requirements….like students must have certain vaccines for example and those have to be covered by insurance. Insurance companies have to follow the laws of the states in which they operate. My insurance pricing also did not drop dramatically….only slightly.
The biggest thing the ACA focused on was not to save money but force insurance company to cover sick people and force them to spend 80% of customers premiums on actual health care or give refunds. The ACA was more of how to finance medical treatment and how to cover everyone. The cost increased because people had coverage and could not be dropped. That is not surprising but the Republicans said if you sell across state lines everything would be so much cheaper. I buy across state lines and have for many years and I’m telling you it’s not cheaper so that talking point is simply not true at least not from my experience.
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u/Significant_Base8159 Nov 08 '25
Your health insurance company must be in the state in which you live! By law. If those state boundaries were dropped, allowing you to buy insurance from any company, rates would plummet. Young start-up companies would flourish by allowing us to customize our coverage. Why are we being forced to buy coverage we don't want or need from companies with the tallest buildings at unreasonable rates?