We could lever this the opposite way as well. Simply allow federal benefits to construe to federal employees only. No spouse, children, etc.
Make it part of the undoing of Obamacare and toss in insurance portability and the Commerce Clause prohibition against state’s creating intrastate monopolies via licensing/permitting/zoning processes.
America is supposed to be a giant free trade zone. Why can’t you buy insurance nationally or use a doctor from any state you wish anywhere in the country, including your home state?
Hey no thinking “outside the box”! /s