Michael F. Cannon

If lawmakers pass a law recognizing insurance licenses from U.S. territories, Florida consumers and employers could purchase individual or group plans from insurers in Puerto Rico or any other U.S. territory.

While the Affordable Care Act (ACA) promises “quality health insurance coverage for all Americans,” a potential tradeoff exists between the law’s dual goals of promoting quality and preventing insurance companies from denying coverage or charging higher premiums to patients with preexisting conditions.

Why providing sick patients secure access to quality health care requires allowing consumers to purchase health plans not subject to Obamacare’s preexisting conditions provisions.

The more Americans figure out that Obamacare has made free—riding safer than ever, the more exchange enrollments will fall, posing a serious threat to Obamacare’s future.