The new year is going to give us a new Congress and a new President determined to make radical changes to health care policy. Once of the changes they are likely to pursue is allowing insurers to sell across state lines. In theory, this should increase the competition among insurers and drive down prices. In practice, economists are fairly certain that the health insurance industry would consolidate in states with few regulations and the competition would be for only the healthiest consumers, meaning those who are sick would get crushed. Read all about it in The Boston Globe.