They do just stay in certain states.
Sorry you didn’t know that.
X company can not take X policy from California to Missouri and market it there.
Further, states regulate who can and can’t operate in the state as it relates to insurance.
It is not an open free enterprise system.
I did know that. What I was saying is that Company Z owns subsidiary X in State A and subsidiary Y in State B and so on and so on... Sorry if you didn’t know that.
Its why insurance companies are willing to buy national ads on prime time TV.