Interstate Insurance

Given the recent surge by the GOP derailing the healthcare bill (temporarily) to the point even Obama is seeking advice at Republican Retreats, I think this is an opportune time for the GOP to finally take the lead on the issue. One idea Republicans have touted but have done nothing about is allowing the purchase of health insurance across state lines. If just the “Red” states banded together and allowed their citizens to buy from each other’s states then that would go a long way in improving healthcare while driving down costs without getting the Federal govt involved.

The major argument from the Democrats against purchasing across state lines is that they claim it will be a way for people to evade mandates and it will cause a “race to the bottom”. Without getting into the fact that mandates are in fact why many people cannot afford healthcare to begin with, being insured by plans from other states is already happening on some levels. Students attending college out-of-state are often covered by their parent’s plans and even though my company is based out of Virginia, we have employees living in Maryland, Pennsylvania and DC under the same plan without any problems.

Similar to how Virginia has reciprocal tax agreements with KY, MD, DC, PA and WV, I believe Gov. McDonnell could initiate a reciprocal insurance agreement with other like minded states. On average each state has about 40 mandates on insurance while VA has 60 so I’m sure there will be a few insurance companies against it unless VA also reduces its mandates. In the end, by reducing govt regulations and allowing the Free Market to perform, we the citizens will get better access to higher quality healthcare at lower prices.

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