I hope everyone had a wonderful Thanksgiving. Now that’s more, Congress is back in session, and the Senate is addressing the issue of health reform. One of the things being discussed in the reform of our health insurance system is allowing people to buy insurance plans from other states where they might be able to find cheaper plans. I’m not sure how it is supposed to work, and here’s why. One reason the cost of the plans is lower in some states that are the other services is the number of mandatory health plan is required to cover. The more a plan is required to cover the higher cost of coverage. For example, California has 56 services required that each plan must cover. By contrast, Idaho has 13 state mandates. We are not in the top of the list by any means is 60 Virginia and Maryland has 66 mandates. Want to see what kind of things are mandated, click here. Another aspect to be addressed is how doctors and others are paid. HMO plans in California tend to be more expensive than PPO plans in the individual market, but have less than pocket costs in obtaining care in an HMO. (The opposite usually happens in the group health insurance.) The reason for this may be is very specific networks of doctors hired. Most people know that you do not have coverage if you leave the HMO network, unless it is an emergency. So maybe you do not offer the HMO between states. But networks also have a PPO. If you see a doctor employed you are covered at a higher level than non-contracted physicians. So if you are in California and buy a plan from Kansas, would you always be addressed in the reimbursement rates lower? Larger companies, like United Healthcare and Aetna have networks in most states, but what about the smaller, regional companies without networks in other states? How would that work? Another aspect of the payment to suppliers affecting premiums is the amount of providers are paid. Care in some states is cheaper than others, then how to pay suppliers in the ‘expensive’, says over the cheaper, and what to do with the cost of insurance in the states where lower costs attention include the cost of insurance? It could still end the problem of some people who secured a refund under depending on how it is made. So be careful what you ask, I gt. The more you want covered in a plan, the more it will cost. Just remember the old marketing adage, if it sounds too good to be true, it usually is.