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Companies can offer the same plans in different states, but don't. Insurance plans are regionalized because each state has their own regulations and the markets are different. The "across state lines" argument is a red herring. Even if you could use a plan from another state, it isn't like a doctor in New York is going to accept some HMO from Indiana.

Yup. This has a decent overview of the "sell across state lines" red herring: https://www.factcheck.org/2017/07/selling-insurance-across-s...

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