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Valued Social Butterfly

Re: GOP - Marketplace Competition Will Save You

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Message 61 of 69

KidBoy2 wrote:
mick posted..

FACT - there is no Federal Law that prevents Health Insurance Companies from Competing Across State Lines
========================================================

It could be we will get a Federal law that will let Health Insurance Companies to sell in every state.

FYI...

OUT-OF-STATE HEALTH INSURANCE - ALLOWING PURCHASES

On This Page
Federal Health Reform Legislation and Actions
Enacted Laws

NCSL Contact
Health Program
Updated: 1/3/2017
Richard Cauchi, NCSL Health Program
A State Implementation Report

Insurance firms in each state are protected from interstate competition by the federal McCarran-Ferguson Act (1945), which grants states the right to regulate health plans within their borders. Large employers who self-insure are exempt from these state regulations. The result has been a patchwork of 50 different sets of state regulations; the cost for an insurer licensed in one state to enter another state market is often high. A growing number of state legislators are interested in whether some states allow or facilitate the purchase of health insurance across state boundaries or from out-of-state regulated companies. NCSL's state health insurance research and tracking shows a gradually growing number of states (at least 21 as of December 2016) and state legislators considering this idea during the past eight years and continuing to the present (listed below).
Note that “self-insured” or “self-funded” health coverage usually offered by large employers (especially with 500+ employees) is not regulated by states and is guided by the federal ERISA law, administered by the U.S. Department of Labor.
Federally authorized “health savings accounts” and accompanying High Deductible Health Policies (HDHPs) are exempt from much of state regulation, including some state mandates.

Nothing you posted means that what the CBO has stated is wrong. The Republican replacement for the Affordable Care Act is a failure and worse than the ACA.

 

Ignoring this just shows that you know I am right !!!!!!!!!


"The only thing man learns from history is man learns nothing from history"
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Valued Social Butterfly

Re: GOP - Marketplace Competition Will Save You

173 Views
Message 62 of 69

KidBoy2 wrote:
mick posted..

FACT - there is no Federal Law that prevents Health Insurance Companies from Competing Across State Lines
========================================================

It could be we will get a Federal law that will let Health Insurance Companies to sell in every state.

FYI...

OUT-OF-STATE HEALTH INSURANCE - ALLOWING PURCHASES

On This Page
Federal Health Reform Legislation and Actions
Enacted Laws

NCSL Contact
Health Program
Updated: 1/3/2017
Richard Cauchi, NCSL Health Program
A State Implementation Report

Insurance firms in each state are protected from interstate competition by the federal McCarran-Ferguson Act (1945), which grants states the right to regulate health plans within their borders. Large employers who self-insure are exempt from these state regulations. The result has been a patchwork of 50 different sets of state regulations; the cost for an insurer licensed in one state to enter another state market is often high. A growing number of state legislators are interested in whether some states allow or facilitate the purchase of health insurance across state boundaries or from out-of-state regulated companies. NCSL's state health insurance research and tracking shows a gradually growing number of states (at least 21 as of December 2016) and state legislators considering this idea during the past eight years and continuing to the present (listed below).
Note that “self-insured” or “self-funded” health coverage usually offered by large employers (especially with 500+ employees) is not regulated by states and is guided by the federal ERISA law, administered by the U.S. Department of Labor.
Federally authorized “health savings accounts” and accompanying High Deductible Health Policies (HDHPs) are exempt from much of state regulation, including some state mandates.

Your article is  not correct. Insurance Cos. now sell over state lines. Ever hear of Group Insurance.
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Valued Social Butterfly

Re: GOP - Marketplace Competition Will Save You

178 Views
Message 63 of 69

Republicans want Insurance companies to operate across State lines for the same reason they let credit card companies operate across State lines - it allows them to screw the customer legally because only the laws of the state they're incorporated in apply to their operations - SCOTUS said so back in the 60's. In the case of credit card companies, they all created legal fictions of being in North Dakota that had no usary laws, which is how you can wind up paying fees and interest that would make a Mafia Don blush instead of the fairly standard "1% per month on the unpaid balance" most of us had BEFORE that GOPer great idea.

 

GOPers also want to allow companies to sell worthless policies that were banned under PPACA because the GOPers know there's lots of mathematically challenged young people out there who will waste their money on policies that are nothing but "cash cows" for the companies and provide no real coverage for the consumer. Republicans say "that's FREEDOM" when it's really more legalized screwing of the 99%.

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Valued Social Butterfly

Re: GOP - Marketplace Competition Will Save You

195 Views
Message 64 of 69

umbarch64--powerful post--thank you

Gee, I miss having a real President!!
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Valued Social Butterfly

Re: GOP - Marketplace Competition Will Save You

192 Views
Message 65 of 69
mick posted..

FACT - there is no Federal Law that prevents Health Insurance Companies from Competing Across State Lines
========================================================

It could be we will get a Federal law that will let Health Insurance Companies to sell in every state.

FYI...

OUT-OF-STATE HEALTH INSURANCE - ALLOWING PURCHASES

On This Page
Federal Health Reform Legislation and Actions
Enacted Laws

NCSL Contact
Health Program
Updated: 1/3/2017
Richard Cauchi, NCSL Health Program
A State Implementation Report

Insurance firms in each state are protected from interstate competition by the federal McCarran-Ferguson Act (1945), which grants states the right to regulate health plans within their borders. Large employers who self-insure are exempt from these state regulations. The result has been a patchwork of 50 different sets of state regulations; the cost for an insurer licensed in one state to enter another state market is often high. A growing number of state legislators are interested in whether some states allow or facilitate the purchase of health insurance across state boundaries or from out-of-state regulated companies. NCSL's state health insurance research and tracking shows a gradually growing number of states (at least 21 as of December 2016) and state legislators considering this idea during the past eight years and continuing to the present (listed below).
Note that “self-insured” or “self-funded” health coverage usually offered by large employers (especially with 500+ employees) is not regulated by states and is guided by the federal ERISA law, administered by the U.S. Department of Labor.
Federally authorized “health savings accounts” and accompanying High Deductible Health Policies (HDHPs) are exempt from much of state regulation, including some state mandates.
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Valued Social Butterfly

Re: GOP - Marketplace Competition Will Save You

196 Views
Message 66 of 69

Same bs as always.   Republicans deny services to the very People who want and need those services the very most. Those very same People are the ONLY reason goverment exists in the first place.  "HUH?", you say...."Don't get that." 

 

Says so...written into the Declaration of Independence and then into the Constitution.  The documents that establish the Government.  Says so...more than that...it says why. 

 

The People said they want Health Care.  It's good for growing children and grown-ups too and it may include things to eat.  [Cream of Wheat radio jingle:  "Its good for growing children and grown ups too to eat...for all the family breakfast, you can't beat Cream of Wheat"]  As a matter of fact, comprehensive Health Care IS essential to individual well-being and general welfare too.  I would suppose that is why the People want it.

 

Well, after saying they want it, the People had to admit that, in general, they didn't have the capability or expertise to get it done.  Other people said THEY had that capability and expertise to do that.  THEY would do it IF THEY got elected.  People, silly geese that they are, believed THEM and said, "Wonderful....go for it...we don't know how, you work out the details". AND THEY DIDN"T. 

 

"How come that was?", you say.  Well...the opinions, mine included, out there don't matter as much as a * * * * in a windstorm.  It just didn't happen. 

 

SOMEBODY put so many roadblocks in the way that it couln't get done right.  SOMEBODY then claimed it was no good, got elected 'cause People were mad about it, shut it down after it got started and now have not intention of fixing what had to be fixed.  THEY said THEY would do it and THEY did.  NOBODY else could have. Not all of THEM you understand, but enough to thwart the will of the People. 

 

It is way past time to clearly see who is responsible and why, get rid of the miscreats, fix what needs fixing in order to make it work and get on with important things like not becoming just some more atomic dust blowing in the wind.

 

Sound reasonable to you? Because you are here, reading this, you are most likely one of those most negatively afflicted by what the charlatans have done this time around.  Again...look it up...the CBO report is out.  You are one of those hit hardest.  The CBO isn't perfect, but it is good enough in this case.

 

Not surprising though, the People were NEVER part of THEIR agenda.  IF you bought it, you own it. 

 

 

 

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Valued Social Butterfly

Re: GOP - Marketplace Competition Will Save You

194 Views
Message 67 of 69

   GOP are now caught in their own lie.    They have been going around saying that ACA will implode and/or is in a Death Spiral.       Well now the CBO is reporting that is not true. 

 

     1.    Let us be real clear here:    The Debt reduction is because the GOP have decided to unfund Medicaid.   The legislation is an enormous tax cut that’s financed by long-term cuts to Medicaid.

This tax cut sets the table for House Republicans’ plan for a massive reform of the overall tax code, so it’s integral to their overall legislative agenda. And because the Medicaid cuts have more and more bite over time, they ensure there is long-term deficit reduction in a legislation package that includes big permanent tax cuts.

 

2.   Congressional Budget Office’s official score of the American Health Care Act also quietly demolishes the central publicly stated rationale for repealing the Affordable Care Act. The key passage is a somewhat jargon-full sentence on the second page of the report that says, “In CBO and JCT’s assessment, however, the nongroup market would probably be stable in most areas under either current law or the legislation.” 

 

   So a two-fer in lies, that is the Republicans and Donald lying and lying- because many of the supporters are possibly too stupid to do anything but nod their bobble heads.   Sigh

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Valued Social Butterfly

Re: GOP - Marketplace Competition Will Save You

214 Views
Message 68 of 69

mick,

They are also assuming that the marketplace isn't slanted for the companies and away from the consumer.

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Treasured Social Butterfly

GOP - Marketplace Competition Will Save You

217 Views
Message 69 of 69

The GOP along with all the other lies about their Healthcare Plan want you to beleive a few more Myths they are attempting to create

 

1. Competition - Our GOP Bill will allow Competition across State Lines

 

FACT - there is no Federal Law that prevents Health Insurance Companies from Competing Across State Lines

 

2. Competition - Our GOP Bill will create Competiton in the Healthcare Marketplace and force costs down - heh heh - I can picture a image in my mind of the CEO's of Anthem & United Healthcare sitting in their Boardrooms - asking their major shareholders if they should go out and spend enormous resources competing for the - Oldest - Sickest - Most Costly Healthcare Consumers in the Country

 

Sure - just like the Car Insurance Companies are out there competing for the Consumers who have 6 DUI's 15 Speeding Tickets and 24 Accidents...................................

 

Republicans Really do think Everyone is Stupid and after we elected Trump and proved it - the fact that they are trying to get people to beleive any of the above - is probably not so crazy

 

 

 

 

( " Eat Tic Tacs - Grope Woman - Become President " ) " - Anonymous

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