Health Insurance Should be Sold in The Entire State
As Republicans and Democrats say they search for common ground in the debate on health care, the idea that legislators from both parties seem to agree is that health insurance should be sold in the state.
Arizona Rep. John Shadegg as has been called for this change, said increasing competition among health insurance companies and provide consumers with greater choice.
Democrats accountable health care last year, passed the House and Senate, each containing provisions for the same purpose. Bill allows the State to form "compacts" among themselves for an insurance policy issued in one could be sold in another.
But Republicans and Democrats disagree on how to allow the sale, and some independent health experts warn that the idea could be more attractive in theory than in practice, and may even increase rather than reduce costs.
Letter easy to understand.
Because health insurance is established in the respective countries, insurance companies must be licensed in the state where politicians are sold, which critics say that the challenges that limit the number of insurance companies compete in certain circumstances. Experts agree that lack of competition is one reason premiums can be very expensive.
I support the idea say that the cost of units in the law of a wrinkled, especially in countries with a strong mandate and an easy and quick to lower prices will allow people in countries where insurance is expensive, like New York or Massachusetts, for purchasing policies in countries such as low cost Minnesota.
Mr. Shadegg, who sponsored legislation to allow insurance sales statewide in 2005 and has been fighting the idea since then, he liked to describe the lack of competition, pointing to how different markets are insurance car.
"If you turn on the television station at night," he said, "looks Allstate and Geico and Progressive and State Farm Drop hit each other in head" of politics and policy come get us, and we to do two things - we will save money and provide better services. "You've never seen such ads for you and me to go out and buy health insurance.
But Mr. Shadegg is firmly opposed to the Democrats to take ideas. Not like those who passed the requirements of state law to create a health care "covenants" and rejected the Democrats efforts to implement strict new federal regulations on insurance. Many knots replace state regulation with a big knot of federal regulations would defeat the purpose, he said.
President Obama and leading Democrats, however, warned that without new regulations, companies are competing private insurance to settle in countries with weak regulation, minimum benefits and minimum requirements of consumer protection.
"If you go to the full purchase interstate, will protect consumers," said Sen. Ron Wyden, Oregon Democrat, a supporter of the idea. But, Mr. Wyden said he believed a compromise with the Republican Party possible. "There is much to work with here," he said.
Some experts are not convinced.
According to the analysis of one of the proposal by Mr. Shadegg by the Congressional Budget Office, in countries where insurance is expensive because the law requires broader coverage, is likely to increase the price of the least healthy people they buy insurance from insurance companies in the country.
Why? Healthy adults who will buy cheaper policies of the State Budget Office said that, while less healthy adults who remain in the safe state, since it covers the services they need. The premium will rise to the second group, such as those at risk to be less healthy and more expensive.
"From the standpoint of consumer protection, so that sales results throughout the state, which will become the country with more stringent regulatory system would benefit and could weaken the other, and you have a career to the bottom, "said John Rother, Executive Director Vice President of policy and strategy for AARP, the lobby for older Americans, Democrats supporting the legislation and the insurance market itself.
Mr. Rother said he had other problems, such as limiting the ability of health insurance companies to monitor adequately the quality of health care providers in various countries. Companies, said, "coming back to pay the bill every time you entered only" rather than to ask important questions like "How to get the best value for the dollar? Or" How can we improve performance? "
Other experts, including Stephen T. Parente, director of the Academic Medical Industry Leadership Institute at the University of Minnesota Carlson School of Management, please note that many insurance companies already operating in the state of policy management for large enterprises, and can do the same in the individual market.
Mr. Parente said the investigation has found that millions of people are uninsured find affordable coverage in their home countries could buy cheaper if policies are available in other countries. Competition will force insurance companies to provide better and cheaper services and force companies underperforming companies, power plants, while the region of countries with regulatory frameworks can be more efficient in the Insurance companies prefer to operate.
But he said there were no political obstacles to ending state regulation of insurance. Powerful officials, including ministers of health and human services, Kathleen Sebelius and Senator Ben Nelson, Democrat of Nebraska, both served as state insurance commissioner as a springboard to become governor of his state.
"Basically we are talking about the deregulation of the position of existence," said Mr. Parente.
Devon M. Herrick, principal investigator of the National Center for Policy Analysis, a nonprofit group that works to increase government regulation of private alternatives, said that allowing insurance to be sold in the state could reduce the cost.
"The competition is to compete not only among companies but also between state regulators and state legislatures and insurance commissioners," said Mr. Herrick. "What we really have now are 50 different markets are protected."
Although Democrats and Republicans head toward Obama's bipartisan summit on February 25, may be more difficult than it seems to agree.
"When a Republican like John Shadegg said:" We have to allow the sale of insurance across the state, "" Mr. Herrick said "not really say the same thing as a Democrat who says, 'We support the concept."
Arizona Rep. John Shadegg as has been called for this change, said increasing competition among health insurance companies and provide consumers with greater choice.
Democrats accountable health care last year, passed the House and Senate, each containing provisions for the same purpose. Bill allows the State to form "compacts" among themselves for an insurance policy issued in one could be sold in another.
But Republicans and Democrats disagree on how to allow the sale, and some independent health experts warn that the idea could be more attractive in theory than in practice, and may even increase rather than reduce costs.
Letter easy to understand.
Because health insurance is established in the respective countries, insurance companies must be licensed in the state where politicians are sold, which critics say that the challenges that limit the number of insurance companies compete in certain circumstances. Experts agree that lack of competition is one reason premiums can be very expensive.
I support the idea say that the cost of units in the law of a wrinkled, especially in countries with a strong mandate and an easy and quick to lower prices will allow people in countries where insurance is expensive, like New York or Massachusetts, for purchasing policies in countries such as low cost Minnesota.
Mr. Shadegg, who sponsored legislation to allow insurance sales statewide in 2005 and has been fighting the idea since then, he liked to describe the lack of competition, pointing to how different markets are insurance car.
"If you turn on the television station at night," he said, "looks Allstate and Geico and Progressive and State Farm Drop hit each other in head" of politics and policy come get us, and we to do two things - we will save money and provide better services. "You've never seen such ads for you and me to go out and buy health insurance.
But Mr. Shadegg is firmly opposed to the Democrats to take ideas. Not like those who passed the requirements of state law to create a health care "covenants" and rejected the Democrats efforts to implement strict new federal regulations on insurance. Many knots replace state regulation with a big knot of federal regulations would defeat the purpose, he said.
President Obama and leading Democrats, however, warned that without new regulations, companies are competing private insurance to settle in countries with weak regulation, minimum benefits and minimum requirements of consumer protection.
"If you go to the full purchase interstate, will protect consumers," said Sen. Ron Wyden, Oregon Democrat, a supporter of the idea. But, Mr. Wyden said he believed a compromise with the Republican Party possible. "There is much to work with here," he said.
Some experts are not convinced.
According to the analysis of one of the proposal by Mr. Shadegg by the Congressional Budget Office, in countries where insurance is expensive because the law requires broader coverage, is likely to increase the price of the least healthy people they buy insurance from insurance companies in the country.
Why? Healthy adults who will buy cheaper policies of the State Budget Office said that, while less healthy adults who remain in the safe state, since it covers the services they need. The premium will rise to the second group, such as those at risk to be less healthy and more expensive.
"From the standpoint of consumer protection, so that sales results throughout the state, which will become the country with more stringent regulatory system would benefit and could weaken the other, and you have a career to the bottom, "said John Rother, Executive Director Vice President of policy and strategy for AARP, the lobby for older Americans, Democrats supporting the legislation and the insurance market itself.
Mr. Rother said he had other problems, such as limiting the ability of health insurance companies to monitor adequately the quality of health care providers in various countries. Companies, said, "coming back to pay the bill every time you entered only" rather than to ask important questions like "How to get the best value for the dollar? Or" How can we improve performance? "
Other experts, including Stephen T. Parente, director of the Academic Medical Industry Leadership Institute at the University of Minnesota Carlson School of Management, please note that many insurance companies already operating in the state of policy management for large enterprises, and can do the same in the individual market.
Mr. Parente said the investigation has found that millions of people are uninsured find affordable coverage in their home countries could buy cheaper if policies are available in other countries. Competition will force insurance companies to provide better and cheaper services and force companies underperforming companies, power plants, while the region of countries with regulatory frameworks can be more efficient in the Insurance companies prefer to operate.
But he said there were no political obstacles to ending state regulation of insurance. Powerful officials, including ministers of health and human services, Kathleen Sebelius and Senator Ben Nelson, Democrat of Nebraska, both served as state insurance commissioner as a springboard to become governor of his state.
"Basically we are talking about the deregulation of the position of existence," said Mr. Parente.
Devon M. Herrick, principal investigator of the National Center for Policy Analysis, a nonprofit group that works to increase government regulation of private alternatives, said that allowing insurance to be sold in the state could reduce the cost.
"The competition is to compete not only among companies but also between state regulators and state legislatures and insurance commissioners," said Mr. Herrick. "What we really have now are 50 different markets are protected."
Although Democrats and Republicans head toward Obama's bipartisan summit on February 25, may be more difficult than it seems to agree.
"When a Republican like John Shadegg said:" We have to allow the sale of insurance across the state, "" Mr. Herrick said "not really say the same thing as a Democrat who says, 'We support the concept."
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