[ctdonath2]

The whole point was that, say, an insurer in Wyoming could cover patients in NY. That's a good thing. Inexpensive out-of-state insurers could compete in NY, major players would pull out of NY, NY would (hopefully) realize that oppressive regulations were driving major players out, NY would have to back off its "Empire State" mindset to entice them back.

[joesbucks]

You bring up an interesting point. The blame has been Obama Care when in fact the problem may be state regulations for killing competition, or a combination of both.

[DoodleDawg]

The whole point was that, say, an insurer in Wyoming could cover patients in NY. That's a good thing.

For who? The insurer in Wyoming has no network of providers in New York with whom they have negotiated rates. Without that network they are at the mercy of whatever the New York provider charges. Because of that, every claim that the New York customer files will be out-of-network and will thus require a higher co-pay, a higher deductible and a lower percentage covered. It's lose/lose for both sides so why would the Wyoming company sell to the New York customer and why would the New York customer want to buy from the Wyoming insurer?