How To Buy Health Insurance Across State Lines

If you move to another state you will need buy a health insurance plan in that state.

How to buy health insurance across state lines. In a 2016 republican primary debate then candidate donald trump promised to replace obamacare with something so much better like every republican in the race he endorsed proposals to allow americans to purchase health insurance across state lines. The basis for seeking the purchase of health insurance across state lines has been driven by the need for reduction of premium costs increased affordability and more insurance options. Buying health insurance across state lines through the private market has been a republican talking point for many years. This month the department of health and human services issued a formal request for information to help advance the policy. President trump on wednesday said he is considering an executive order to allow health insurance to be purchased across state lines.

Trump told reporters at the white house that he plans to issue. In an industry that is heavily regulated by the state the lack of affordable options creates desperation amongst citizens. Advocates of selling health insurance across state lines will insist that i am missing the point. During the debate over obamacare republicans have consistently promoted an alternative approach that involved allowing individuals to purchase health insurance across state lines. Selling insurance across state lines wouldn t change the price of medical services as antos said but if insurance companies could deny coverage or charge more for health conditions a.

Absent obamacare states had dramatically different health insurance mandates. Selling insurance across state lines was only going to make a modest difference before obamacare and to the extent that obamacare imposes federal essential health benefits the effects would be. Of course the intention is to spur not only competition among insurers but also competition among regulatory departments to find the right basic requirements that keep insurance policies affordable and varied. An insurance company can operate across state lines for example many large health care insurers sell plans in multiple states but any policy they sell in a particular state currently has to adhere to that state s regulatory requirements.