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Why do state lines make a difference? Is there some geographic location where health insurers have a competitive advantage that major metro areas (certainly where most rideshare drivers are) don't have access to? If there is, which states are already reaping the benefits of market based high access to health insurance?

Also, you do realize that this proposed solution essentially disempowers state governments from being responsive to citizen concerns about insurance policy/practice -- if a state can't control who sells in their state, then the only government shaping insurance policy is national.

Bonus points if you can address how these locales address the issue that health insurance is a weird good from a market perspective -- the more an individual needs it, the less an insurer probably wants to sell it to them, certainly for an averaged risk pool premium.

I totally want to see insurance decoupled from employment, but as far as I can tell, the state line thing isn't an analysis, it's just a mantra that was/is frequently dropped into the discussion without explanation or support.




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