Number 2 is a red herring. Any insurance company can sell policies in any state provided they meet state laws. The problem is that each state has their own mandates and restrictions which make policies more or less expensive.
What’s Trump going to do, forbid states from passing laws?
How to force states? he Commerce Clause, Article I Section 8 Clause 3 of the Constitution of the United States, grants Congress the power “To regulate Commerce with foreign Nations, and among the several States, and with the Indian Tribes”. The commerce power is an enumerated power of Congress and the Supreme Court has interpreted it as an express grant of authority to Congress and an affirmative limitation on the rights of the states to regulate commerce within their own borders.