I don't believe you know what that means. I have 0% confidence that you can explain the benefits or argue against the downsides of "selling across state lines". I think you've heard that phrase & you parrot it with no understanding. Prove me wrong. I'll give you a softball to find out if I'm right.
Insurance companies can currently sell across state lines. For example, here's
United Health Care's website. The first thing they ask for is your Zip Code. Why? Because they sell across state lines. You can get a rate (NY, right?) & I can get a rate. NC. They sell across state lines.
Here's
Anthem's site. Down at the left, where you have to click on "Individual & Family plans (Health, Dental, Vision & Life)", you have to select a state, right? You can select New York, yes? So they sell in multiple states.
Here's
Cigna's site, where you have to enter the state you live in.
Here's
Blue Cross Blue Shield, where the very first thing you have to enter is your Zip Code, so they can tell what state you live in & sell to you.
Tell me, in detail, why the "selling across state lines" meme is different from what we have today. I don't believe for a second you know what you're talking about. If you show me that you do, I'll address your point.