Six states already allow for the sale of health care insurance across state lines - Maine, Georgia, Oklahoma, Kentucky, Rhode Island, and Wyoming. To date not a single insurance company has offered to sell a policy across the border to anyone in those states. The reason is obvious - they can’t make money doing so without first spending a lot of money setting up a network of providers. They aren’t going to do that for a handful of clients.
Possibly Southwest Airlines could partner with a Texas provider and fly in patients from all over America to a medical campus next to Dallas Love Field. Doctors could use telemedicine technology for prescription writing. Even northern Mexico could do something similar for half the cost... excluding head re-attachments.
It’s hard to imagine but insurance does not need providers. We are discussing health care insurance not health care. Insurance companies may have providers but it is not ncessary.