It is the way the free market works. If there were portability in health insurance where an individual or a family could purchase health and medical insurance across state lines, the competition among insurers would be fierce and ergo have the inevitable effect of driving prices down to more affordable levels. There would still be mild rationing of care as individual insurers would tailor their plans accordingly in order to remain competitive and profitable at the same time. Also tort reform would also drive prices down and make insurance a lot more affordable.
For example, I have a high-deductible policy and I don't run to the doctor every time I get an ailment. And even when I do see my doctor, I make sure he keeps an eye on costs (particularly when he writes prescriptions).
My policy is basically for catastrophic medical events and my medical bills are EXTREMELY low. In fact, last year my out of pocket was in the $100 range.
Tort Reform in two words- loser pays.