the aca is a sad sad joke

ginwilly

Well-Known Member
you're weed is making you stupid..bucky already explained why this is..it's categorized under "why all credit card companies are based out of south dakota and maryland"..pay attention!
Why would this be a bad thing? There would still be the same federal guidelines and if it's cheaper coming from one state than another FOR THE SAME POLICY, why can't I buy from another state? Someone living in SD can get treated in your state of FL using that insurance but you aren't allowed to buy it too. Doesn't that seem the least bit off to you?
 

ChesusRice

Well-Known Member
Why would this be a bad thing? There would still be the same federal guidelines and if it's cheaper coming from one state than another FOR THE SAME POLICY, why can't I buy from another state? Someone living in SD can get treated in your state of FL using that insurance but you aren't allowed to buy it too. Doesn't that seem the least bit off to you?
Uhhhmmm No.

They stopped talking about selling across State lines as soon as Obamacare passed.
You dont hear about it anymore becuase now it makes practically no difference due to the federal guidelines.
 

canndo

Well-Known Member
Why would this be a bad thing? There would still be the same federal guidelines and if it's cheaper coming from one state than another FOR THE SAME POLICY, why can't I buy from another state? Someone living in SD can get treated in your state of FL using that insurance but you aren't allowed to buy it too. Doesn't that seem the least bit off to you?
What are you talking about? There was no law that said any insurance company couldn't sell insurance in any and every state in the union - but they didn't do that. Why? because it was cheaper for all concerned if the country was divided up. "We will take idaho, you take washington". the point is that each state has it's own regulations. All each company needed to do was adhere to each state they were in. What you want is to take state powers of regulation away from those states and award them to the Feds - not exactly a small or local government model.
 

NLXSK1

Well-Known Member
What are you talking about? There was no law that said any insurance company couldn't sell insurance in any and every state in the union - but they didn't do that. Why? because it was cheaper for all concerned if the country was divided up. "We will take Idaho, you take Washington". the point is that each state has it's own regulations. All each company needed to do was adhere to each state they were in. What you want is to take state powers of regulation away from those states and award them to the Feds - not exactly a small or local government model.
Yes, to do business in every state an insurance company must set up an office in 50 states with their own staff,buildings,etc. I am sure that would not add costs to a policy... Oh wait...

Why is the law there Cannado? Why cant I buy health insurance from a company in Texas if we both agree it would be in my interest?? And if it isnt a big deal then why is it so fucking hard to get them to change it??
 

ginwilly

Well-Known Member
Uhhhmmm No.

They stopped talking about selling across State lines as soon as Obamacare passed.
You dont hear about it anymore becuase now it makes practically no difference due to the federal guidelines.
What are you talking about? There was no law that said any insurance company couldn't sell insurance in any and every state in the union - but they didn't do that. Why? because it was cheaper for all concerned if the country was divided up. "We will take idaho, you take washington". the point is that each state has it's own regulations. All each company needed to do was adhere to each state they were in. What you want is to take state powers of regulation away from those states and award them to the Feds - not exactly a small or local government model.
lol, more ginwilly fail. lovely.
This is why it's difficult talking economics with liberals.

Can you guys even consider that might be a give to the insurance companies? Each state can still have their own regulations, but a company from another state can still tailor a program to meet another state's.

What the ACA has done is centralize the standards and made states comply. You guys seem to think by making 50 separate boundaries that a company must stay within. Aetna has 50 different offices, 50 different sets of administrative teams (if they want to be in all 50). If they could operate from just 1 of those states servicing the rest, costs can go down. If any insurance company is allowed to compete within any of the states, it opens it up to more than just the handful that are allowed to compete within the states.

If somebody made the argument that you can only sell liquor that was made in your state, do you think liquor would cost more or less?

The first time you guys were making this argument was because "they are not allowed by law to do this, herp derp", now it's "how can costs possibly go down if we open competition? herp, derp, they will all just end up in SD herp derp".

canndo, I don't put you in the same category as these other two, surely you can see that each state can still maintain their own regulations but an insurance company from another state has the full capability of complying don't you? Do all vehicles that meet compliance to CA emissions have to be manufactured and sold in CA?
 

canndo

Well-Known Member
Yes, to do business in every state an insurance company must set up an office in 50 states with their own staff,buildings,etc. I am sure that would not add costs to a policy... Oh wait...

Why is the law there Cannado? Why cant I buy health insurance from a company in Texas if we both agree it would be in my interest?? And if it isnt a big deal then why is it so fucking hard to get them to change it??

Becaues they are STATE regulated. If you live in California, and you buy your insurance in Texas, which set of regs apply? Which networks would your Texas coverage include? Which networks would accept an out of state plan as in network? The only way for your scenario to hapen is if there was a central set of regulations for all states - probably set up and monitored by the Feds. I doubt this is something you would gravitate to.
 

ginwilly

Well-Known Member
Becaues they are STATE regulated. If you live in California, and you buy your insurance in Texas, which set of regs apply? Which networks would your Texas coverage include? Which networks would accept an out of state plan as in network? The only way for your scenario to hapen is if there was a central set of regulations for all states - probably set up and monitored by the Feds. I doubt this is something you would gravitate to.
you could buy your texas company policy tailored to meet california regs. Why is this concept seem impossible to you guys?

I'm sorry Detroit, we can't buy your cars unless you build them here in California because MI has different EPA standards....
 

NLXSK1

Well-Known Member
Becaues they are STATE regulated. If you live in California, and you buy your insurance in Texas, which set of regs apply? Which networks would your Texas coverage include? Which networks would accept an out of state plan as in network? The only way for your scenario to hapen is if there was a central set of regulations for all states - probably set up and monitored by the Feds. I doubt this is something you would gravitate to.

They just did that with Obamacare... LOL!!!

Why is it incomprehensible for a company to have offices in 50 states that can handle the insurance but the same company could not possibly handle it if they were in less locations??? There is no logic in that argument.
 

ChesusRice

Well-Known Member
They just did that with Obamacare... LOL!!!

Why is it incomprehensible for a company to have offices in 50 states that can handle the insurance but the same company could not possibly handle it if they were in less locations??? There is no logic in that argument.
UH no
Obamacare sets minimum standards and regulations for all states
Individual states have additional standards and regulations. And it is something the Republicans fought very hard to preserve
 

ginwilly

Well-Known Member
UH no
Obamacare sets minimum standards and regulations for all states
Individual states have additional standards and regulations. And it is something the Republicans fought very hard to preserve
If we could make you understand the simple concept that the insurance companies fought very hard to preserve this maybe a light bulb will go off. I hate to see you staying in the dark.
 
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