NCPA - National Center for Policy Analysis


March 11, 2010

If restrictions on buying insurance across state lines are lifted, Blue Cross of Texas would not "go" anywhere.  However, it would have the ability to obtain a license in all 50 states.  It will use the same physician network it now has.  But you, as a consumer, would be able to get lower premiums in return for less onerous regulations, says John C. Goodman, President, CEO and the Kellye Wright Fellow of the National Center for Policy Analysis. 

Texas, by the way, is one of the worst states as far as mandated benefits are concerned: 

  • With 57 mandated benefits, only four states have more mandates than Texas.
  • Rhode Island is the worst with 70, while Alabama has only 21 and Idaho ranks lowest with 13. 

If you want all these mandates and are willing to pay for them, you will always be able to buy insurance under each state's rules, says Goodman. 

But do you really want a plan that requires you to pay for in vitro fertilization?  Acupuncture?  Drug and alcohol abuse?  Contraceptives?  Hearing aids for minors?  Marriage counseling?  Or would you be willing to give up some of those benefits in order to pay less for coverage best suited to you and your family? 

Source: John C. Goodman, "Reform can help consumers avoid health care mandates," Dallas Morning News, March 10, 2010. 

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