A Doctor's Perspective (Local‪)‬

Insurance pools. Allow states, small businesses and others to group together to offer lower cost health care plans. Such pools would have to offer, at a minimum, any coverage that is provided in a majority of states. When an insurance company moves into a state to sell health insurance, it must obey the laws of each state. Each state has its own insurance commission, which oversees business practices, consumer appeals, rates and bonds companies must buy to protect against bankruptcy. It also considers the effect of health care policies on the state population.