Why Can't We Buy Health Insurance Across State Lines? 
Health insurance is regulated by each state . Before you can buy a policy in Georgia -LRB- as an example -RRB- a carrier must file their policy form and rates with the state Dept. of Insurance and wait on approval . This is a long and costly process . About a year ago GA passed a law that allowed carriers to market products from other states in Georgia . So far not a single carrier has filed for approval to sell in Georgia . Despite what some people believe , even if you were able to buy coverage from another state the savings would be nominal , if anything at all . 