Health insurance laws can vary dramatically by state to state. Some of this is due to different federal grants that states have received over the years and some of it has to do with forward-thinking politicians. Regardless, state health insurance in three different states has very unique health systems that offer their residents a little bit more.

Hawaii is one of the states with a unique healthcare system. Due to different grants that they have received as well as the fact that they have one of the lowest rates of uninsured residents, they have almost universal coverage. With universal coverage, they are able to continue offering low premiums to their residents, which will continue to keep rates low because of the cycle that it provides.

Healthier residents mean less doctor visits. Less doctor visits mean lower health insurance costs. And since low health insurance costs help to ensure that everyone can afford state health insurance, Hawaii is doing a great job with their health insurance system. They also have what is called the Hawaii Prepaid Health Care Act, which they are trying to keep in place despite what some of the federal healthcare reform laws may do.

Vermont is another state that is working towards a very unique health insurance system. They are trying to provide affordable, universal healthcare for all of their residents. They are trying to do this using a total of three different options. The first is that an individual can pay, which will be financed in part by the government. The second is that there will be a public option that will compete with the private health plans and finally, one that will be designed in consultation with the Vermont Health Care Reform Commission.

South Dakota has also had much luck with their health insurance system. They focus on trying to offer the best care possible so that the overall costs of healthcare are reduced. As a result, they have been getting very high rankings from the U.S. Department of Health and Human Services as well as the Centers for Medicare and Medicaid Services.

As a result of South Dakota's efforts to improve the hospitals across the state, their mortality and readmission rates are lower than the national average, as is patient satisfaction.

When states, such as these three, show that they are very proactive in improving the healthcare standards for their residents, it is increasingly positive for what could become of the government's healthcare reform as a whole. If the federal government takes notice of these health insurance laws and implements them across all states, it may make health insurance more affordable and care facilities better at providing care.