As I understand it (and I confess, I'm sketchy), the idea of segregating the insurance market along state lines was to force companies NOT to average prices across the country. So, expensive markets would have expensive insurance, but consumers in cheaper markets wouldn't have to bear that cost.
Call me cynical, but I think without some sort of pressure valve like the public option is intended to be, corporations will find SOME way to screw consumers no matter what constellation of regulations are placed on them.
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