Insurance Companies price health insurance based on the price of medical services where you live.
And that is exactly why selling across state lines would lower premiums. Those costs of which you speak are burdensome regulatory costs.
When an out-of-state insurance company doesn't have to cover every service under the sun, they can offer a subset of services for a lower price. The current in-state monopolies will have to compete for business that is all but guaranteed to them today.
I want to wake up and this be a dream. I’ve been going through my own devastating turmoil for the past few months and have lost touch with pretty much everyone. I regret that now. Life is too short. I miss my FRiends.