Across State Lines – McCarran Furguson Act

2. Allow insurance to be purchased across state lines
See Donald’s 7 point plan

Trumpcare: Under Trump’s proposal, consumers would be allowed to shop for health insurance beyond just the boundaries of their state. The idea is that if more health insurers were competing for members, then premiums are less likely to head higher.

But, each state has their own Department of Insurance to regulate the Insurance Companies….  Any Insurance Company can sell in CA if they file and get authorization from the CA Department of Insurance.  How many companies in CA are domiciled outside of CA?

Who would regulate the Insurance Companies?  CMS – look at the crap they have for Medicare Advantage.

Obamacare: Under Obamacare, and the status quo that preceded the Affordable Care Act, insurers tailored their health insurance plans to each individual state (and sometimes even counties and towns). The reason health insurance is sold within a state’s borders has to do with demographics and medical access for people within each state.

For example, people living in Wyoming, a state with a sparse population and relatively few specialized medical-care facilities, are expected to pay higher premiums than highly populous states, such as California, where there are more hospitals and plenty of specialized medical equipment. Insurers operating in Wyoming have to take into account the added costs of potentially getting people who live far away from hospitals and other specialized care facilities to the care they need.

The McCarran–Ferguson Act, 15 U.S.C. §§ 1011-1015, also known as Public Law 15,[1] is a United States federal law that exempts the business of insurance from most federal regulation, including federal antitrust laws to a limited extent. The McCarran–Ferguson Act was passed by the 79th Congress in 1945 after the Supreme Court ruled in United States v. South-Eastern Underwriters Association that the federal government could regulate insurance companies under the authority of the Commerce Clause in the U.S. Constitution.   Learn More==> Wikipedia