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  • angelatc's Avatar
    Today, 03:56 PM
    There are a myriad of products aside from insurance that some people can't buy in some states though, because the state regulates it. Alcohol plants tobacco wood firearms animals drugs.....if you shop on-line certainly you've seen the "No shipping to.....<insert states here>" disclaimer. I am not saying free markets are not best.
    92 replies | 1312 view(s)
  • Theocrat's Avatar
    Yesterday, 09:25 PM
    That was a great interview from Sen. Paul (not that I'm surprised). He schooled those panelists so much that they looked like they were ready to leave for recess. Their questions were loaded and misleading, but Sen. Paul still knocked them out the park. I'll bet they had to Google "economies of scale" after his interview. :D
    13 replies | 419 view(s)
  • angelatc's Avatar
    Yesterday, 05:07 PM
    There isn't actually a Vitamin "U."
    8 replies | 167 view(s)
  • angelatc's Avatar
    10-16-2017, 02:02 PM
    So once medicine is socialized, it will be ok for the government to mandate it. More anti-capitalist stuff from DonnaY.
    61 replies | 1032 view(s)
  • angelatc's Avatar
    10-15-2017, 02:25 PM
    Courtney Love 2003 Interviewer asks if she has any words of advice for young starlets entering the business. Love responded to avoid private meetings in the 4 Seasons with Harvey Weinstein. VIdeo at link:
    48 replies | 1605 view(s)
  • angelatc's Avatar
    10-15-2017, 11:55 AM
    It "only" bans pet stores from selling non-rescue pets. I wonder how quickly they'll adopt a creative definition of rescue.
    15 replies | 425 view(s)
  • angelatc's Avatar
    10-15-2017, 08:20 AM
    He's actually a communist, as he is Antifa.
    18 replies | 450 view(s)
  • angelatc's Avatar
    10-14-2017, 10:30 PM
    Granny Warriors. Wow - its been a long time.... eta: Linda passed in 2014. RIP Liberty Granny.
    25 replies | 2699 view(s)
  • angelatc's Avatar
    10-14-2017, 06:00 PM
    I can't find the tweets now, but Kevin Spacey's name came up last night, and not as a victim. A Hollywood person was accusing him of molesting one of her kin. She seems to have taken the post down now. She didn't name names, she said because she didn't have permission from the victim.
    8 replies | 354 view(s)
  • angelatc's Avatar
    10-14-2017, 02:54 PM
    Nailed it.
    92 replies | 1312 view(s)
  • angelatc's Avatar
    10-14-2017, 02:52 PM
    And because I am not a lawyer, a little more Googling brought me to the McCarran–Ferguson Act Apparently it overturned at least a portion of Paul-v-Virginia giving Congress "the right" to enforce anti-trust actions against insurers in the states. According to Wiki:
    92 replies | 1312 view(s)
  • angelatc's Avatar
    10-14-2017, 02:42 PM
    What did he know about Hillary???
    4 replies | 250 view(s)
  • angelatc's Avatar
    10-14-2017, 02:38 PM
    Here's a SCOTUS decision that indicates I'm more right than you. In before "SCOTUS IS WRONG TOO." So now you're arguing against the 10th AMendment and 150 years of legal decisions. Maybe SCOTUS was wrong. But as it stands, their rulings are considered the determination of what's constitutional. At this point, we should be amending the constitution.
    92 replies | 1312 view(s)
  • angelatc's Avatar
    10-14-2017, 02:29 PM
    Oh FFS. If they were violating the Constitution, SCOTUS would be doing something, not the legislature. Congress can't write constitutional law without amending the Constitution.
    92 replies | 1312 view(s)
  • angelatc's Avatar
    10-14-2017, 02:21 PM
    It isn't science. It's law. The law allows the states to regulate insurers who sell policies to the residents of their state. If it didn't, the FedGov wouldn't be trying to erase those boundaries. IF you were right, insurers woule already be crossing state lines, so we wouldn't be having this conversation.
    92 replies | 1312 view(s)
  • angelatc's Avatar
    10-14-2017, 02:13 PM
    Do you think part of that might be related to gay marriage though?
    92 replies | 1312 view(s)
  • angelatc's Avatar
    10-14-2017, 02:12 PM
    angelatc No, the service (medical care) takes place in your home state. Your state currently has laws regulating the insurers who sell insurance to residents in your state. They also regulate payments to the providers in your state.
    92 replies | 1312 view(s)
  • angelatc's Avatar
    10-14-2017, 12:09 PM
    8 replies | 354 view(s)
  • angelatc's Avatar
    10-14-2017, 12:02 PM
    There are already certain plants that can't be sold in certain states. California regulates safety and emission standards for automobiles that can be sold within its boundaries. Some states allow 18 year olds to buy cigarettes but they can't legally buy them on the internet and have them delivered into their home. Auto insurance varies from state to state. But if I go to Ohio and try to buy car insurance because it's cheaper there, they won't let me because I live in Michigan. If I lie and say I live in Ohio, they won't be obligated to pay because I purchased the policy fraudulently. The reason ours costs more is because we have a particular potentially expensive mandatory benefit - unlimited lifetime medical for accident-related injuries. There is a push to reform our auto insurance. We have 49 other states we can look at to see what works. What the state should and shouldn't do is a different conversation than what the constitution allows them to do.
    92 replies | 1312 view(s)
  • angelatc's Avatar
    10-14-2017, 11:06 AM
    I would bet money that Harvey and Bill liked to drink together.
    25 replies | 549 view(s)
  • angelatc's Avatar
    10-14-2017, 11:04 AM
    Every time he does something I don't like, I end up remembering what Hillary would have done. Sometimes it's the exact same thing but sometimes the differences are stark. The Judicial appointments are the latter.
    5 replies | 153 view(s)
  • angelatc's Avatar
    10-14-2017, 10:58 AM
    I trust Rand's judgement, and I've never been a political purist. I don't think it's the end of the world - I just think it's another constitutional paper cut.
    92 replies | 1312 view(s)
  • angelatc's Avatar
    10-14-2017, 10:53 AM
    That's possible, but I bear in mind that's exactly what they said when they erased the banking lines between states. It would lessen the administrative burdens and consumers would see lower costs. I believed it then. Instead we got a massive amount of industry consolidation which created those now legendary too big to fail behemoths. I feel like this is that same scenario being played out. It's just another power grab by the Fed. And here's the bigger point. If it's better for the Feds to run it then amend the constitution. I'm more irritated about that than I am the insurance thing. If they bring back the cheap catastrophic coverage only policies, then I'm happier than I am now.
    92 replies | 1312 view(s)
  • angelatc's Avatar
    10-14-2017, 10:44 AM
    The states have (had) the right to regulate insurers who sold insurance products to the residents of that state. Before Obamacare, it meant that states like Illinois required well baby checks and vaccines in all policies, while Arkansas allowed policies that only kicked in when your expenses went over $10k a year. (Guess which state had cheaper insurance?) It also means that the state government had the authority to get involved in disputes. It means that the insurer has to prove over and over and over that it has enough cash to cover the claims the state expects its insured patients to file. It meant the person who sold the policy has taken tests to confirm they understand the insurance laws in said state. It also meant that insurance cost less in (using the example above) Arkansas than Illinois. Partly because the mandated coverages were lessened in Arkansas, although Obamacare already erased that right. But it was also partly because costs were simply less in Arkansas. Taxes are lower, demand is lower, etc.... Allowing someone in Chicago to buy a policy at the rates the Arkansas residents paid will only serve to drive the prices in Arkansas up.
    92 replies | 1312 view(s)
  • angelatc's Avatar
    10-14-2017, 10:32 AM
    The constitution specifically forbids the states from taxing interstate commerce. This is exactly what I mean when I say people who don't understand insurance shouldn't try to argue for this. The regulations are ridiculously different from state to state. And more critically, each state demands that insurers maintain certain reserve levels. It's a financially complex product. It isn't as simple as "I send them money and then they send it to my doctor." They have to maintain a certain level of cash reserves in each state in order to guarantee that they will indeed be able to pay the bills. They're not allowed to just use the money they take in from premiums and use it to pay claims. That's a pyramid scam. And this next part is scary to me as a numbers person - I have no idea how they're maintaining those reserves. Their investment options are limited, and interest rates are still depressed far below market value. No math I can do makes any sense. Taking this away from the states and giving it to the Feds is probably the insurers getting ready for the inevitable crash. And instead of a couple of states being affected, millions of people across the whole country will suddenly have no insurance, and a huge stack of bills their hospital forwarded when the insurer went bankrupt. It's the next too big to fail, brought to you by John McCain who has aggressively working on this for 15 years.
    92 replies | 1312 view(s)
  • angelatc's Avatar
    10-14-2017, 10:15 AM
    You literally fabricating an alternate reality to avoid the uncomfortable current reality. You are right. You will be contracting with an agency in another state. You cannot do that now because of states' rights. The 10th Amendment says that the state has the right to regulate the products sold to the residents of the state. This legislation erases those lines and hands the regulations to the feds. Constitutionally this is a loss. Freedom-wise, this is a loss.
    92 replies | 1312 view(s)
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    oh, Aratus. we'll be weathering much more no matter who is elected.
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