The regulatory patchwork makes it difficult. Even if some states have authorized it, you still have individual regulators in those states themselves. I work i

The regulatory patchwork makes it difficult. Even if some states have authorized it, you still have individual regulators in those states themselves. I work in a different type of insurance, but even in my space, writing one insurance contract that satisfies two sets of regulators isn't easy. A full blown shift to federal regulation of insurance is probably too much to ask - and frankly, the state regulated system we have today is more consumer-friendly so I doubt anyone except insurance companies wants to give that up. We could, however, do with a federal definition of a basic policy that is authorized to market in all 50 states. Something (and I'm simplifying) like what Switzerland does with a legally defined minimum set of coverage that all policies must offer - the Swiss also regulate the pricing of that contract, but let's set that aside for now and start with price competition on a defined minimum coverage.