I did a bit of research on the bill before congress right now that would allow the sale of insurance across state lines.

Unfortunately it is split along party lines and is not a new concept of course.

It is in fact in the new Obama health care bill which will allow health care to be sold across state lines when both states agree and "consumer protections are maintained" The Obama bill allows the establishment Health care choice compacts According to consumer protection folks this will erode many state protections, leave policyholders with inadequate coverage and could actually lead to higher premiums for some people.

Of course the Democrats support this in the bill and do not think anymore is necessary. In fact, they admit this is only in the bill because the Republicans insisted on it.

The Republican alternative is to allow you to shop between states to get the lowest rates for the coverage that you want and perhaps replace a high cost policy that has coverage for things you do not want.

The problem is setting the standards for what coverage you get.

This may sound stupid but to me it sounds again like the insurers lobby this stuff and the government says they are protecting us from ourselves and that we cannot be trusted to buy the right policy.

For clarification, the part of the Obama bill that may allow this is considered so vague as to affect as they say.. a race to the bottom, meaning the worst possible coverage