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Message: <blockquote data-quote="Tanis143" data-source="post: 3712962" data-attributes="member: 43724">On the first topic, selling across state lines, hard no. If you have ever had to deal with a cheap rate car insurance company you would understand why. Those cheap plans would be based on the loosest regulations they could find and you would find out the hard way that you paid money for insurance that you would never see. That is how these cheapskate car insurance companies work, they sell an insurance policy that uses the loosest definition of what is covered. Catastrophic policies are almost the same, just applied differently in that those in good health who never have to see a doctor would find the cheaper rates but those with chronic health issues would face higher premiums, copays and lower lifetime allowable amounts.  And you are ignoring the biggest problem, medical insurance is directly tied to the cost of health care. As health care costs increase, insurance pays for it but then raises their rates on all their customers. So those of us who don't use the insurance pays for those that do. I'm looking at ways to lower the cost of health care so that not only does it not become a burden on those who are forced to using a hospital but overall costs for insurance should go down as well. As far as foreign drug manufacturers, thats a short term solution as it would do the same thing to the medical industry as cheap goods from overseas did to our industrial manufacturing over the last 50 years. If you ever had to deal with a cheap Dorman car part, think of that but with medicine.That would work for regular office visits, but how would that help in an emergency visit? You don't get a choice when taken by ambulance generally, and especially if you are unresponsive. Then you are stuck paying whatever the hospital and ambulance company charges you.And the reason I argue about this so much is my family has been subjected to all of this. I had a sister with chronic health issues due hydrocephalus. By the time she was 12 she had gone through 4-5 cranial surgeries to install shunts. Over my and their childhood we had many trips to the hospital by ambulance. These medical bills were a huge stress on my parents and partially the reason they divorced.  My brother has technically been dead twice in his lifetime with the last one from a horrific car accident on Christmas eve in 2019. He will never be able to pay off his medical bills. Right now Its well into the 800k range and still climbing. This is why I advocated anything to do with health care be non-profit. Not just hospitals, but drug manufacturers, medical supplies, medical devices, etc. If there is a better idea to lower the costs of those items, I'll be for it. But allowing the medical industry to charge whatever it wants for their goods and service is the problem and trying to find cheaper ways to pays those costs is an illusionary effort. Someone will end up paying those costs at some point.</blockquote>

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