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one of the questions people always ask
me a health care economist is why can't
I buy health insurance across state
lines it makes sense more choices better
options if you could buy your health
insurance from any state in the Union
surely you would get the best deal for
your money I can hear you all out there
now well that Idaho PPO plan is looking
pretty sweet and cheap to sign me up
let's talk about why that would work and
why it wouldn't
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in the Pro column our standard plans
nationwide a little history before the
Affordable Care Act was passed on March
23rd of 2010 health insurance was
largely regulated by state insurance
commissioners and state legislators and
the amount of regulation varied a ton
today the least amount of coverage you
can buy is now set by the federal
government and it's the same in every
state so what your Idaho plan covers is
also what your Louisiana plan covers but
in the con column is the health
insurance home-field advantage
the Idaho plan would have to buy health
care in Louisiana cheaper than your
Louisiana plan and frankly that is not
happening one of the biggest advantages
Blue Cross and Blue Shield of Louisiana
brings to the table when we negotiate
with health care providers is our
membership more than 1 million customers
and partnerships and resources we've
spent 80 years building Idaho isn't
going to recreate that overnight so they
would have to pay more for health care
on your behalf than we do Idaho and any
other out-of-state plan would start with
much higher medical costs and would have
to set higher premiums to cover them now
maybe the Idaho plan could get you a
better deal on health care in Idaho are
you ready to hop on a plane for your
colonoscopy to Idaho don't forget to add
in travel expenses to your procedure
cost in the end that con the home-field
advantage or the cost to deliver care in
the local market is just too big to
overcome Idaho great for potatoes not so
great for Louisiana health care the
Straight Talk is selling across state
lines doesn't work because health care
is a local business
you
