Antitrust exemption: A 1945 law prevented the federal government from regulating all forms of insurance, leaving that duty to the states.[Huck's note--so did a 1787 law, called the 10th amendment]. As a result, the law also shielded insurers from federal antitrust laws that prohibit price-fixing and collusion. This is seen as a problem for residents in many areas where only one or two health insurers operate. Rather than go to a neighboring state where another insurer might be offering a better deal, residents are forced to choose between the insurers that are regulated by their state government. Buying across state...