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While Im normally a big advocate of states rights. I am not when it comes to health insurance. Its a different animal than other lines.
Healthcare is vital to the future success of this nation. And currently, as a result of our system, health insurance is the best way to receive quality healthcare. There are already many disparities between the states when it comes to regulations, which produce varying plan structures from state to state. Which in turn makes it an even more confusing product for the consumer and agent. Which in turn works against our industry and our nation, on many levels.
If we plan to keep health insurance as the most efficient means of receiving healthcare, it should be standardized on a national level, not a state level (imo). This should help foster increased choices and competition (imo).
Unfortunately the ones who are currently in power at the federal level feel that insurance regulation should consist of mandates that make the insurance companies the ward of a socialistic state.
So discounting current power holding ideology; in a perfect world, should HI be regulated on a federal level or a state level?
Healthcare is vital to the future success of this nation. And currently, as a result of our system, health insurance is the best way to receive quality healthcare. There are already many disparities between the states when it comes to regulations, which produce varying plan structures from state to state. Which in turn makes it an even more confusing product for the consumer and agent. Which in turn works against our industry and our nation, on many levels.
If we plan to keep health insurance as the most efficient means of receiving healthcare, it should be standardized on a national level, not a state level (imo). This should help foster increased choices and competition (imo).
Unfortunately the ones who are currently in power at the federal level feel that insurance regulation should consist of mandates that make the insurance companies the ward of a socialistic state.
So discounting current power holding ideology; in a perfect world, should HI be regulated on a federal level or a state level?