Ann Coulter

Liberals keep complaining that Republicans don't have a plan for reforming health care in America. I have a plan!

It's a one-page bill creating a free market in health insurance. Let's all pause here for a moment so liberals can Google the term "free market."

Nearly every problem with health care in this country -- apart from trial lawyers and out-of-date magazines in doctors' waiting rooms -- would be solved by my plan.

In the first sentence, Congress will amend the McCarran-Ferguson Act to allow interstate competition in health insurance.

We can't have a free market in health insurance until Congress eliminates the antitrust exemption protecting health insurance companies from competition. If Democrats really wanted to punish insurance companies, which they manifestly do not, they'd make insurers compete.

Sean Hannity FREE

The very next sentence of my bill provides that the exclusive regulator of insurance companies will be the state where the company's home office is. Every insurance company in the country would incorporate in the state with the fewest government mandates, just as most corporations are based in Delaware today.

That's the only way to bypass idiotic state mandates, requiring all insurance plans offered in the state to cover, for example, the Zone Diet, sex-change operations, and whatever it is that poor Heidi Montag has done to herself this week.

President Obama says we need national health care because Natoma Canfield of Ohio had to drop her insurance when she couldn't afford the $6,700 premiums, and now she's got cancer.

Much as I admire Obama's use of terminally ill human beings as political props, let me point out here that perhaps Natoma could have afforded insurance had she not been required by Ohio's state insurance mandates to purchase a plan that covers infertility treatments and unlimited OB/GYN visits, among other things.

It sounds like Natoma could have used a plan that covered only the basics -- you know, things like cancer.

The third sentence of my bill would prohibit the federal government from regulating insurance companies, except for normal laws and regulations that apply to all companies.

Freed from onerous state and federal mandates turning insurance companies into public utilities, insurers would be allowed to offer a whole smorgasbord of insurance plans, finally giving consumers a choice.