Well it gets worse. Now the insurance companies will face anti-trust liability for decisions they didn’t make. Remember every state has a state insurance board dictating what insurance companies can and cannot do, even dictating what premiums they can charge. The courts often refuse to allow “the government made me do it” as a defense since you could have opted out of doing business in the first place.
The States should get out of the business of dictating premiums. This is price fixing pure and simple.
Why is price fixing OK if the government does it but if anyone else does it they wind up in the big house?