A FREE-MARKET SOLUTION
TO THE HMO PROBLEM
A FREE-MARKET SOLUTION
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| The insurance industry is one of the most heavily regulated categories of business in the United States. State and local governments can impose all sorts of rules on companies wishing to sell policies there. You may find insurers in your area are prohibited from offering you more than one type of policy. They may reason it protects you from being prodded into buying insurance you don't want or need. In this case, however, it means you are being kept from protecting yourself. | |
| Assuming you don't want to move to another locale, you might want to contact your government representative and tell him your problem. You might even receive assistance from your insurer; the company would probably be interested in being able to sell more kinds of policies. |