5 ms·
One of the arguments for shopping across state lines is changing the risk profile. There are certain conditions that are more prevalent in certain states or reg
by caw 14y ago
One of the arguments for shopping across state lines is changing the risk profile. There are certain conditions that are more prevalent in certain states or regions (e.g. obesity in the "deep south").
Another argument is that states individually mandate what should be covered under insurance. If you can buy from another state, then you can get (cheaper?) insurance such that you're not paying for things that aren't relevant to you.
- tptacek 14y agoThe reality is that shopping across states will result in the least-regulated states hosting the dominant providers; it creates a race to the bottom.
- AlexeiSadeski 14y agoYou mean a race to the top :)
- twoodfin 14y agoAnd the more regulated providers will have no way to sell their added oversight as a benefit worth paying for? That doesn't seem plausible: Certainly PPO's were able to sell "see a specialist without a referral" to many group plan customers.