Due to ridiculous rules and laws, Americans are only allowed to purchase health insurance in their home state.  I have had the same plan for over four years.  It is essentially your basic catastrophic plan with a $5,000 deductible.  I have no liability up to $5 million after that.  I have been to the doctor once and paid $250 out of pocket.  My premium was $86 per month at first, but it is now $124.  I decided to "shop around" as if the option was open.  I found a similar plan for $79 per month in another state:



My current plan is with BlueCross BlueShield.  I also shopped around per the status quo and found these options:



Not exactly an apples-to-apples match, but close.  The $91.06 quote is probably the best match to the $79 quote.  The $79 quote did receive a higher rating though and is HSA eligible. I suspect if my search went into other states my options would get better.  Now what if I could choose what is covered?  I could eliminate mental health, hair plugs, etc, and score even more savings.  DEREGULATION will create CHOICE and produce SAVINGS.  It looks like $600 per year for me potentially.  Yes, I did notice there are plans available now for less than my current $124 per month.  Time to "shop around" within the borders of my state.