The federal McCarran-Ferguson Act permits states to regulate their own mandates and shields them from interstate competition. Some of the mandates include coverage for acupuncture, marriage counseling, and hairpieces.
Without interstate competition, the cost of one type of coverage varies from state to state.
A family purchasing a health insurance policy in Wisconsin would pay about $3,087, but that policy would cost $10,398 in New Jersey.
The answer is not more regulation, but free market competition to allow consumers to shop for the plan that best fits their needs and wallets.