Filed Under:Health Insurance, Individual Health

Who do you trust?

When it comes to health care, I tend to trust what my doctor has to say.

(Of course, I don’t have much choice, unlike with my Jeep, where I know enough to confirm or refute what my mechanic might have to say about it.)

When it comes to paying for health care, likewise, I listen to the carriers. They’ve been in the business of doing just that for a while, so I think they know what they’re talking about.

So when the carriers tell me – along with nearly all of the country's insurance commissioners – that backtracking on cancellations of so many individual policies will do more harm than good, I’m inclined to believe them.

Related story: More PPACA changes draw mixed reviews

Part of it's motive, too, though. That's certainly what stands out in this New York Times piece a co-worker showed me this morning.

According to the story, “of the 13 states that have so far said they will allow consumers to renew canceled plans, all but four are led by Republican governors and have generally been opposed to the new health care law. Of the eight that have said they will not carry out the policy, six are in Democratic-led states, many of which have actively worked to put the law into effect and have argued that allowing such an extension could undermine its success. They include New York, which announced its decision on Tuesday, and Massachusetts. Many other states, including California and New Jersey, are still weighing their options.”

In short, the states that backed the health care law, and subsequently set up their own exchanges, were better prepared for the cancellations we all saw coming. The obstructionist states that actually betrayed their own anti-government principles by effectively inviting Uncle Sam in to run their health insurance exchanges, did nothing to help the feds, the carriers or the residents who end up getting screwed.

As I’ve said before, if anything, this law has proved that things simply run better at a local (or in this case, state) level. Maybe there’s some way we can break this thing up and let each state truly run its own show. I’d love nothing more than to get the feds out of the health insurance business.

That being said, while I might not agree with his specific solution(s), it was a refreshing change to see Sen. Ted Cruz actually offer one during a CNN interview this week. He advocated the old line about letting carriers sell policies across state lines, which always gives me chills. I know, I know, it sounds great in theory, but you can’t tell me it won’t lead to greater federal regulation. Hell, they’d probably create a national insurance czar or something.

Finally, you might have heard by now, but we’ve finally firmed up the speaker lineup for next year’s Benefits Selling Expo – our 10th. We’ll be joined in Colorado Springs, Colo., by none other than Mike Huckabee, Tom Tancredo and Robert Gibbs, to name just a few. Check out our full lineup here.

One more thing – you really don’t want to wait to book your room. The Broadmoor’s a beautiful property and you don’t want to be stuck at the Hampton Inn five or six miles away. Can’t wait to see you all there.

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