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The Problem with Proposed Sales of Health Insurance Across State Lines
The New York Times; subscription may be required 
Aug. 31, 2015
"The trouble with the idea is that varying or numerous state regulations aren't the main reason insurance markets tend to be uncompetitive. Selling insurance in a new region or state takes more than just getting a license and including all the locally required benefits. It also involves setting up favorable contracts with doctors and hospitals so that your customers will be able to access health care. Establishing those networks of health care providers can be hard for new market entrants."
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