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what you are forgetting is that when you open up the markets to greater competition, then the insurance companies are going to compete for your insurance dollars. and that is regardless of where the insurance company is based.
for instance, if you buy a plan from a company in arizona, as opposed to a company in hew york, while the rates are going to be based on market prices, the arizona company might offer a lower rate than a new york company to get your money. or they might offer the same rate as a new york company, but might offer other incentives, like for instance the arizona company might offer lower copays, or no copays.
and yes the insurance offering will still be regulated by the states where the states where the insurance is sold, i am not suggesting otherwise.
as for the medicare advantage plans, those are regulated by the federal government and thus have been considered interstate commerce, and are sold to a limited market to begin with, and you can STILL note that competition has lowered the rates on those plans.
But what I'm saying is... even if the rates will be lower for an AZ plan, whether it's because it's just lower or they offer additional incentives to out of staters, it will still be tied to the local network. That's just how insurance works. How could an insurance company charge a person in NYC the same as it charges a person in AZ (or less) when they have to reimburse the much more expensive NYC cost of services? I just don't see it happening, and some insurance CEOs have already pointed out that it doesn't really make sense.
My point with the Medicare Advantage plans is that, even as interstate plans, they are dictated by local networks. As in a New Yorker buying an AZ-based Medicare Advantage plan is only covered for doctors in the AZ market. Of course more competition will always lower prices but because the nature of the product is local, it's just not going to be useful even if the price is lower. Like with anything... you can go get a babysitter in AZ right now for much cheaper than one in NY, but what good is that going to do you if you live in NY.
those subsidies have already been ruled illegal in federal court because congress did not appropriate the money for said subsidies, obama did that by executive order. trump merely reversed that executive order, which is his right to do so. if you want the subsidies back, then get a hold of your congressmen and have them vote to reinstate those subsidies, and appropriate the necessary funding for them.
The subsidies were not put in place by executive order. They were put in place with the original "legislation"
We have seen no meaningful legislation since January.
Gladly. As soon as the Republicans stop trying to push **** through congress and actually have conversations and include Democrats in the development of any bill. Given the ACA took months of discussion between both parties, anything the Republicans try to push through in days is beyond stupid.
Re the bolded...yet Pelosi and Reid essentially flipped the bird at the voters of Massachusetts who elected Scott Brown as a roadblock. I'm agnostic, but Pelosi claims to be a Catholic, so she'll get hers on judgment day. It's too bad that we here on earth won't know if Reid will find himself part of the wicked eternally separated from the righteous.
Looks like a bunch of states are going to throw a monkey wrench into the Donald's MAGA healthcare plan! I guess it will go the way of Obama's Clean Air EOs.
And I should say I am not at all opposed to this interstate insurance thing. No skin off my back at all. I'm just pointing out if anyone is expecting it to make huge waves, I think they will be disappointed.
This is all more reason why our Congress needs to get off its butt and work together on a solution.
That is not going to happen. The best we can hope for is to make this watch this happen to the poor in the run up to 2018 and help Democrats take the House.
A U.S. judge did not "catch" anything. Republicans sued, Obama appealed. Trump has stopped the appeal because he wants to take away $7 Billion in health care subsidies for poor people so he can spend $10 Billion for a wall he promised Mexico would pay for. Trump appeals everything including his Muslim ban so it's not like appeals haven't already happened in this administration. Trump just wanted to take the subsidies away from the poor so the states are suing.
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Republicans sued, Obama appealed. Trump has stopped the appeal because he wants to take away $7 Billion in health care subsidies for poor people so he can spend $10 Billion for a wall he promised Mexico would pay for. Trump appeals everything including his Muslim ban so it's not like appeals haven't already happened in this administration. Trump just wanted to take the subsidies away from the poor so the states are suing.