[free_life]

It is going no where without competition across state lines and removal of any mandate forcing people to purchase insurance.

[Alberta's Child]

Competition across state lines is not likely to happen, even if it makes a lot of sense. The insurance industry is regulated by the states as a result of a landmark U.S. Supreme Court decision. Basically, the Supreme Court ruled that an insurance policy is a contract, not a product or service that would come under Federal oversight through the interstate commerce clause of the U.S. Constitution. Contracts are governed by state contract law, not Federal law.