The Society of Actuaries has helpfully shined a light on the ignorance-based provision for interstate sale of health insurance, which the Republicans keep touting as an advantage of the A H A C. In the words of the actuaries, such a provision would create “a race to the bottom.” The idea was to introduce price competition into the health insurance market. Surprise! There is already substantial price competition in the insurance market. There is also already competition among interstate insurers, but with one key condition which the ignorant GOP wanted desperately to eliminate. That condition requires that any insurance contract must be approved in advance by each state where it is to be sold. Every state has its own Insurance Commissioner, none of whom are beholden to Washington DC. It is doubtful that very many of these independent commissioners would approve any of the junk insurance policies that would be dumped on the market if the Republicans got their way.