[Shivetya]

The McCarran-Ferguson Act which is a law at the Federal Level enacted in 1945 is what gives states the the authority to regulate insurance offerings within their borders and what helped create the mess and inability to shop across borders. So yeah, its a Federal Law that screwed this up.

Just because it does not prohibit cross state sales is just mincing words. It gave states the ability to make it near impossible to do so. Without consistent requirements how would one expect to have a viable product?

There was an attempt to repeal it but that apparently did not get past the Senate, it was again pushed in 2017 through another act. There are attempts in the Senate as of 2019 to do it.