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The week's question
In December 2024, in the thread "Re: BRK: Why Not XOM?", BreckHutHigh asked the members: "What about the long road trips with kids?" This week it is put to everyone again. The button below opens the small thread re-asking it - read what others have said so far, then give your own answer as an ordinary reply.
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Author: Dope1 ⎊  😊 😞
Number: of 84361 
Subject: Re: Medicare Buy-In
Date: 08/17/26 5:19 PM
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And for those who want to instinctively do the antibody thing and react to that, I give you:

McCarran-Ferguson Act of 1945: uslawexplained.com - Mccarran ferguson act of

Key Takeaways At-a-Glance:
State Control is Primary: The McCarran-Ferguson Act of 1945 establishes that the regulation of the “business of insurance” is primarily the responsibility of individual states, not the federal government.
Limited Antitrust Exemption: The McCarran-Ferguson Act of 1945 grants the insurance industry a limited exemption from federal Antitrust Law, allowing for certain collaborative activities like data sharing, but only to the extent that such business is regulated by state law.
Direct Impact on You: The McCarran-Ferguson Act of 1945 is the reason your car insurance rates are approved by a state agency in Sacramento or Austin, not Washington D.C., and why your state can mandate specific health insurance benefits.

This creates a scenario of 50+ different marketplaces in the US and doesn't allow things to reach a price equilibrium across the board.

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This community has written 84,309 posts about US Policy. The article-length ones it recommended most:
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