Insurance across state lines usurps the right of the state to regulate.
I disagree. The states still have power to regulate; but, if people want to purchase an insurance policy in a different state, then they will have to accept that state’s insurance regulations.
Also, keep in mind that the primary reason the states began their move to create a litany of regulatory laws on health insurance was because of the federal government’s interference (as usual) with the imposition of 8 different mandates, including mental illness coverage and breast reconstruction following a masectomy. The creation of HMOs (again accomplished through federal interference) also played a role in this mess.