I have wondered about the issue you raised
Under Obamacare, did the states control the product as before or were policies subject to state regulatory approval?
Was federal law imposed over state law when deciding the issue?
Since Obamacare was supposed to be operated through "State Exchanges" (even though numerous states declined to participate), a tacit recognition of a State's right to establish its rules, there was a great deal of deference to States.
Remember many states declined to expand their Medicaid programs as well. The longstanding principle is that a higher standard prevails whether local, county, state or federal.