Hillary can't be trusted

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NLXSK1

Well-Known Member
London,

Do you have a problem with competition? If selling insurance across state lines wont lower cost then why should you care if it is tried? In fact, who is against this? It seems pretty logical on it's face but somehow there seems to be a brick wall on this issue.
 

slabhead

Well-Known Member
Going to be raising the voting age for dependent children to 26. Maybe they will be mature enough to vote by then.
 

londonfog

Well-Known Member
London,

Do you have a problem with competition? If selling insurance across state lines wont lower cost then why should you care if it is tried? In fact, who is against this? It seems pretty logical on it's face but somehow there seems to be a brick wall on this issue.
I love competition as long as it is not a laundromat or cleaners located within 5 mile radius of my business..lol


have you took the time to do any research on insurers selling nationwide ? Honestly?
at least 6 states have tried this already. Rhode Island, Kentucky Georgia,Wyoming, Maine and Washington. Not one of these states saw single insurer enter a new market or offer a new product. People do not want to go out of state for health services , which means that if out-of-state insurers want to compete with existing insures in a new market, they have to build a local network of providers. Do you have any idea what this details ? because providers have no assurance that these new carriers will bring any local patients to their facilities the risk is high with the reward being low. example would be the 6 states previously mention.

So NLXSK1 if you brought insurance in Texas but you live in Arizona, how good would your insurance network be in Arizona from a insurer in Texas ? The problem is not the ability to buy insurance across state lines. we doing it already. It is the network that has insurers and consumers saying NO. Now after saying all that, if we talking a consumers living right on the border of two states, well the insurer might have the network set up being the it is so close, but for the rest of us, buying across state lines would likely have very little impact on our coverage or our costs.

I'm sitting here wondering if you even understand what insurers have to do to set up a working network in a state ? DO I have to do your homework on that too ?
 
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londonfog

Well-Known Member
Going to be raising the voting age for dependent children to 26. Maybe they will be mature enough to vote by then.
my daughter is still on my account. She about to finish up her Doctor of Physical Therapy (DPT) degree. It was great that she could stay on our insurance while she accomplished this. Do you know what it details to become such. I would say you would have to be pretty fucking mature to accomplish this. What do you do for a living ? Do you have children ?
 

Big_Lou

Well-Known Member
I love competition as long as it is not a laundromat or cleaners located within 5 mile radius of my business..lol


have you took the time to do any research on insurers selling nationwide ? Honestly?
at least 6 states have tried this already. Rhode Island, Kentucky Georgia,Wyoming, Maine and Washington. Not one of these states saw single insurer enter a new market or offer a new product. People do not want to go out of state for health services , which means that if out-of-state insurers want to compete with existing insures in a new market, they have to build a local network of providers. Do you have any idea what this details ? because providers have no assurance that these new carriers will bring any local patients to their facilities the risk is high with the reward being low. example would be the 6 states previously mention.

So NLXSK1 if you brought insurance in Texas but you live in Arizona, how good would your insurance network be in Arizona from a insurer in Texas ? The problem is not the ability to buy insurance across state lines. we doing it already. It is the network that has insurers and consumers saying NO. Now after saying all that, if we talking a consumers living right on the border of two states, well the insurer might have the network set up being the it is so close, but for the rest of us, buying across state lines would likely have very little impact on our coverage or our costs.

I'm sitting here wondering if you even understand what insurers have to do to set up a working network in a state ? DO I have to do your homework on that too ?
"Laundry/cleaning business", eh? Have you got a son named Lionel by any chance?

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NLXSK1

Well-Known Member
I love competition as long as it is not a laundromat or cleaners located within 5 mile radius of my business..lol


have you took the time to do any research on insurers selling nationwide ? Honestly?
at least 6 states have tried this already. Rhode Island, Kentucky Georgia,Wyoming, Maine and Washington. Not one of these states saw single insurer enter a new market or offer a new product. People do not want to go out of state for health services , which means that if out-of-state insurers want to compete with existing insures in a new market, they have to build a local network of providers. Do you have any idea what this details ? because providers have no assurance that these new carriers will bring any local patients to their facilities the risk is high with the reward being low. example would be the 6 states previously mention.

So NLXSK1 if you brought insurance in Texas but you live in Arizona, how good would your insurance network be in Arizona from a insurer in Texas ? The problem is not the ability to buy insurance across state lines. we doing it already. It is the network that has insurers and consumers saying NO. Now after saying all that, if we talking a consumers living right on the border of two states, well the insurer might have the network set up being the it is so close, but for the rest of us, buying across state lines would likely have very little impact on our coverage or our costs.

I'm sitting here wondering if you even understand what insurers have to do to set up a working network in a state ? DO I have to do your homework on that too ?
That was a lot of time you spent there... Do you feel better?

If it is not a problem then why not remove the legislation making it illegal? Seems kinda logical eh? I want to reduce stupid laws. You seem to indicate this is a stupid law.

So it seems we agree. Thanks for that!!
 

londonfog

Well-Known Member
That was a lot of time you spent there... Do you feel better?

If it is not a problem then why not remove the legislation making it illegal? Seems kinda logical eh? I want to reduce stupid laws. You seem to indicate this is a stupid law.

So it seems we agree. Thanks for that!!
I guess you have very low reading comprehension.
I refuse to take that much time for you again. Do you understand what it takes for an out of state insurer to set up a WORKING in state network. If so explain.
 

NLXSK1

Well-Known Member
I guess you have very low reading comprehension.
I refuse to take that much time for you again. Do you understand what it takes for an out of state insurer to set up a WORKING in state network. If so explain.
Do you understand I am talking about removing legislation making it impossible?

If so.. well...
 

londonfog

Well-Known Member
Do you understand I am talking about removing legislation making it impossible?

If so.. well...
oh I understand that. We have 6 states doing it now. It is not working well for the insurer due to network and consumer in-state/out- state ratio
Now we talking about setting up networks. you do understand this ..no? If you understand what it takes for an out of state insurer to set up a WORKING in state network. explain it. What does it detail?
 

Fogdog

Well-Known Member
That was a lot of time you spent there... Do you feel better?

If it is not a problem then why not remove the legislation making it illegal? Seems kinda logical eh? I want to reduce stupid laws. You seem to indicate this is a stupid law.

So it seems we agree. Thanks for that!!
States regulate insurance companies operating inside the state. A national insurance industry wouldn't be much better than what we have today unless there were uniform laws across the country as we have for commerce. Of course some insurers operate nationwide but deal with state laws in order to do so. Are you proposing abolishing state laws for insurance regulation and a new national regulatory institution? States rights unless it's inconvenient?
 

NLXSK1

Well-Known Member
oh I understand that. We have 6 states doing it now. It is not working well for the insurer due to network and consumer in-state/out- state ratio
Now we talking about setting up networks. you do understand this ..no? If you understand what it takes for an out of state insurer to set up a WORKING in state network. explain it. What does it detail?
We are not talking about setting up networks. We are talking about removing legislation making it illegal.

After that point it is up to the private insurers to decide whether it is worth it and if they can make a profit.

I simply want to make it possible.
 

NLXSK1

Well-Known Member
States regulate insurance companies operating inside the state. A national insurance industry wouldn't be much better than what we have today unless there were uniform laws across the country as we have for commerce. Of course some insurers operate nationwide but deal with state laws in order to do so. Are you proposing abolishing state laws for insurance regulation and a new national regulatory institution? States rights unless it's inconvenient?
Nope.... Simply asking why dont we remove hurdles in the insurance market not keep ones there. Especially if they make no sense, like this one.
 

NLXSK1

Well-Known Member
Would you set up an inspection buisness, office, shop, vehicles etc. in another state for maybe a few inspections that paid less?
it depends on what the profit margin was. Maybe I could figure out a way to make it work. I am not saying we mandate it, I am simply saying remove the legislation making it illegal and see what happens.

Kinda like with pot....
 
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