Selling Insurance Across State Lines

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Selling Insurance Across State Lines
Calendar11 July 2016

I don’t know about you, but I was having a hard time understanding the merits of selling insurance across state lines. My main questions were, how does it work, who benefits, and what the impact would be on employers. I found my answers in the new video series, “Sounds Like a Good Idea,” created by Kaiser Health News to debunk concepts being discussed by the presidential candidates. (Not that we really needed to be told to watch out for campaign promises!)  The video on selling insurance across state lines explains the origin of the idea, which, interestingly, goes back more than ten years. While states can do this now under the ACA, only three are actually doing it. The biggest complicating factors are network access in the affiliated state and lack of oversight (and recourse) in the affiliated state if there are problems. Unfortunately, things that sound too good to be true, often are.

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