Do the Democratic bills allow some form of insurance selling across state lines?
Yes, but with much tighter restrictions than are in the Republicans’ plan. The House Democrats’ bill would allow states to form compacts enabling consumers to buy policies from insurers licensed in any of the states governed by the agreement. A consumer’s home state would retain authority to handle disputes. The National Association of Insurance Commissioners, which represents state regulators, would have primary authority to develop rules, but if it failed to do so, the job would fall to the Department of Health and Human Services Secretary. The Senate Finance Committee bill would enable insurers to create nationwide plans. Insurers would have to be licensed in each state where they sell these plans, but would have the authority to offer only those benefits mandated by the majority of states. Thus, benefits required by relatively few states would not have to be in the plans. States, however, could decline to make such plans available to their residents. This story was produced through
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