Question by Gorham: What’s the best health insurance company not tied to a single location?
I’m a travelling sales person with multiple mailing addresses. What location in the United States has the best health insurance rates and best health care? I’m in my mid 30′s, non-smoker, healthy.
Best answer:
Answer by StephenWeinstein
You can have a thousand mailing addresses, but a health insurance company is only allowed to sell you a policy if your one permanent, legal residence is in a state where they have a license. The best company is whichever one has a license there, because you are not allowed to use a mailing address in a state other than your state of residence to obtain insurance from a company that is not licensed where your legal residence is. If you do manage to get a policy this way, then you have given them a perfect excuse to cancel your policy whenever they want, usually right after they receive a large claim, and before they pay it. (If a policy is rescinded due to fraud, the decision is retroactive, and you are not covered for the outstanding bills, and you must repay whatever claims have already been paid.)
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