General Discussion

Schema Thing

(10,283 posts) Sun Jul 1, 2012, 03:48 PM Jul 2012

"Allow insurance to be sold across state lines." Oops, we did that too. [View all]

"Allow insurance to be sold across state lines."

That seems to be fully one half of the GOP position on fixing America's healthcare issues; the other half being of course "tort reform tort reform tort reform tort reform na na, na na nyah!".

But it looks to me like the ACA not only enables insurance to be "sold across state lines", but in fact requires it starting in 2014: from KFF.org:

Multi-State Health Plans_

Requires the Office of Personnel Management to contract with insurers to offer at least two multi-state plans in each Exchange. At least one plan must be offered by a non-profit entity and at least one plan must not provide coverage for abortions beyond those permitted by federal law.

23 replies

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"Allow insurance to be sold across state lines." Oops, we did that too. [View all] Schema Thing Jul 2012 OP

Insurance has always been sold across state lines. ForgoTheConsequence Jul 2012 #1

The McCarran Ferguson Act (1945) allows each state to have different rules... PoliticAverse Jul 2012 #4

"identical" policy - no big deal. banned from Kos Jul 2012 #8

That was my point. ForgoTheConsequence Jul 2012 #9

It's clear that there is some law prohibiting sale of ins across state lines. Honeycombe8 Jul 2012 #21

That is why mercuryblues Jul 2012 #2

It was found unconstitutional under the Commerce clause n/t SickOfTheOnePct Jul 2012 #6

Articles on the 'insurance across state lines issue... PoliticAverse Jul 2012 #3

If it's referencing OPM, then it most likely applies to insurance for government employees n/t SickOfTheOnePct Jul 2012 #5

no, it's referring to the insurance exchanges in each state. Schema Thing Jul 2012 #7

Could you please provide a link to your source? SickOfTheOnePct Jul 2012 #11

Never mind, I found it SickOfTheOnePct Jul 2012 #12

Here's some information: ProSense Jul 2012 #13

I may have missed it, Ruby the Liberal Jul 2012 #14

Every state, but ProSense Jul 2012 #15

Waiver? Ruby the Liberal Jul 2012 #17

Yes, waiver: ProSense Jul 2012 #19

Very interesting! Ruby the Liberal Jul 2012 #20

Due to state regulations, insurance companies set up separate subsidiaries in each state. FarCenter Jul 2012 #10

The reason for state-by-state plans is because the process would be corrupted by the industry underpants Jul 2012 #16

In addition to that is regulation. Ruby the Liberal Jul 2012 #18

We have tort reform in TX. It did NOT lower ins. premiums. Honeycombe8 Jul 2012 #22

CORRECT Skittles Jul 2012 #23