Health Insurance companies should be non-profit organizations that are not publicly traded, that would reduce premiums overnight. When the fiduciary duty of a Health Care Insurance provider is profit and not providing the best quality of care at the most reasonable premium, of course you are going to continue to have higher premiums for lower care. The government should subsidize and/or pay premiums for those who can't afford it and Healtcare costs should be negotiated across the country, therefore a treatment in Texas costs the same as it would in Maine and also the Government should negotiate prices for prescription medicine as well and you would see the cost of that reduced fairly quickly as well.
Health insurance and lifespan averages are linked. Insurance has a place in managing health care cost risk just like insurance has a place in risk management in many other parts of our lives. Health insurance as it stands is a severe problem to the cost/benefit equation, however. In response to selling health insurance across state lines I agree this needs to be done but not as an end all be all. To make this work you have to get rid of all antitrust barriers insurers benefit from today. You also have to standardize the products and create uniform financial health controls across the country. You also have to get rid of employer provided health insurance and the tax advantage driving most people into the individual market.
If you then make it possible for anyone to change insurance at any time by limiting the ability of insurers to ban and or rate based on preexisting condition (except for a few lifestyle choice items such as smoking, and most cases of excessive weight) you can then have a truly competitive health insurance market. Just eliminating state regulation of the market would not be helpful, in fact some of the problems with the existing system would most likely get worse much worse.
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