1: Healthcare providers don't really have a single real price schedule for anything. There is the "usual and customary" price for an area that nobody ever pays, the Medicare allowable price that is set by CMS and used as a base for contracting, and the "I'm paying cash" price that you can negotiate which really falls back to the CMS locallity pricing illusion. The reason for this lunacy dates to the Feds original intervention in health care, Medicare, and some really wonderful tax regulations.

2: see my previous posts regarding state lines, it is garbage. The restriction really isn't even state based, in reality it is much more local than that.

3: All insurance relies on the Law of Large Numbers to project costs and expenses. By dumping groups you have just removed the ability to accurately project costs and doubled (at a minimum) premiums. Instead of spreading the cost for grandma's chemotherapy and hip replacement across 100,000 policyholders, you have just dumped it on 1.000, and made is less predictable.

4: Tort reform is the single most important issue and can virtually fix everything.

5: NOTHING should be mandatory.