For Democrats, a new approach to making healthcare affordable involves implementing policies that increase accessibility and reduce costs for individuals and families. This can include expanding Medicaid, strengthening the Affordable Care Act, and exploring alternative models such as Medicare for All or a public option. By doing so, Democrats aim to ensure that every American has access to quality, affordable healthcare, regardless of their income or social status.

by | Dec 3, 2025 | Care, Insurance

The US is facing a healthcare affordability crisis, with 2026 expected to bring the steepest increases in medical costs in 15 years, at 6.7%. This burden will be passed on to employees in the form of higher premiums, co-pays, and deductibles. The current system is...

The main reason we can’t buy health insurance across state lines is due to the McCarran-Ferguson Act of 1945, which gives states the authority to regulate health insurance. This law allows each state to set its own rules and standards for health insurance, resulting in varying levels of coverage, pricing, and provider networks.Additionally, the Employee Retirement Income Security Act (ERISA) of 1974 also plays a role, as it regulates self-insured health plans offered by large employers, but does not apply to individual health insurance policies.The Health Insurance Portability and Accountability Act (HIPAA) of 1996 also added complexity by allowing states to impose their own requirements on health insurance, further limiting the ability to buy insurance across state lines.In general, buying health insurance across state lines is restricted because each state has its own unique set of regulations, and insurers must comply with these regulations in order to operate within a given state. This makes it difficult for insurers to offer policies that can be sold across multiple states.

by | Dec 3, 2025 | Care, Insurance

The Affordable Care Act’s federal subsidies are set to expire, and President Donald Trump and Republican lawmakers are under pressure to propose a solution to address skyrocketing healthcare costs. One proposed solution is to allow Americans to buy health...