That's not how the math works. If the low population states like Alaska get included in a single pool with all the other 49 states, our rates may go down .... but somebody else's rates will go up. 

The problem with our current situation was created by the passage of Obamacare - there is no incentive anywhere for anyone to save money. Insurance companies don't care, they pass their costs on to the customer or to the govt through 'risk corridors.' Hospitals certainly don't care, they are getting paid from either the insurance company, the govt or the consumer. The individual doesn't care about higher medical costs because insurance is paying. In fact, mandatory insurance does nothing but raise costs because consumers with insurance - surprise - use it more and that just increases demand for medical services and that drives up the costs.