An Interstate Commerce Route to a National Market for Health Insurance

Advocates of interstate competition and choice in health insurance contend that state-level mandates for particular benefits, providers, and types of coverage, as well as other regulations, distort prices, increase health care costs, and reduce access to affordable insurance. Several members of Congress and at least one presidential candidate have proposed reforms to allow the purchase and sale of health insurance across state lines.

In this context, two University of Minnesota health economists, Stephen Parente and Roger Feldman, present their new analysis of the impact of state laws and regulations on health insurance premiums. Parente and Feldman have analyzed three scenarios for insurance competition: among the five largest states, among all fifty states, and within four geographical regions. They found that the most plausible scenario could produce a net increase of more than 11 million newly insured individuals. In addition, states with the largest regulatory burden (for example, New Jersey and Massachusetts) would experience the greatest movement of their resident insurance customers to insurers based in a less regulated state. Health policy researchers Michael Morissey of the University of Alabama at Birmingham and AEI's Aparna Mathur, and Assemblyman Jay Webber will respond and discuss the current effects of state insurance regulation on costs and coverage, the likely effects of interstate competition, and how such a regime might be structured. AEI's Thomas P. Miller will moderate.

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Monday, October 27, 2014 | 10:00 a.m. – 11:30 a.m.
State income taxes and the Supreme Court: Maryland Comptroller v. Wynne

Please join AEI for a panel discussion exploring these and other questions about this crucial case.

Tuesday, October 28, 2014 | 9:30 a.m. – 12:15 p.m.
For richer, for poorer: How family structures economic success in America

Join Lerman, Wilcox, and a group of distinguished scholars and commentators for the release of Lerman and Wilcox’s report, which examines the relationships among and policy implications of marriage, family structure, and economic success in America.

Tuesday, October 28, 2014 | 5:30 p.m. – 7:00 p.m.
The 7 deadly virtues: 18 conservative writers on why the virtuous life is funny as hell

Please join AEI for a book forum moderated by Last and featuring five of these leading conservative voices. By the time the forum is over, attendees may be on their way to discovering an entirely different — and better — moral universe.

Thursday, October 30, 2014 | 2:00 p.m. – 3:00 p.m.
A nuclear deal with Iran? Weighing the possibilities

Join us, as experts discuss their predictions for whether the United States will strike a nuclear deal with Iran ahead of the November 24 deadline, and the repercussions of the possible outcomes.

Thursday, October 30, 2014 | 5:00 p.m. – 6:15 p.m.
The forgotten depression — 1921: The crash that cured itself

Please join Author James Grant and AEI senior economists for a discussion about Grant's book, "The Forgotten Depression: 1921: The Crash That Cured Itself" (Simon & Schuster, 2014).

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