Linda Gorman has an excellent article on how state-level insurance controls make insurance prohibitively expensive:
Providing health insurance for everyone who wants it doesn’t have to come with a high price tag. It doesn’t have to come with increased government control of your medical decisions, or less personal choice when it comes to choosing physicians or deciding on medical treatments, either.
It does require getting incentives right and letting people purchase private insurance from insurers who are allowed to experiment with different types of coverage. …
In states with extensive regulation, state governments require that all private companies issue government designed policies to everyone, regardless of health status, who wants one, and can pay for it. guaranteed issue, as this is called, has been proposed in Colorado. …
If you think Colorado health insurance is expensive now, take a look at the cost of joining the sickness pools in states that have passed guaranteed issue. …
Check out the costs and the full article here. For more state-level comparisons of insurance rates, see here.
