Can Health Insurance Be Sold Across State Lines? 
Can health insurance be sold across state lines ? Yes , it is done everyday and has been sold that way for years . That said , the policy sold MUST comply with state laws on the sale of insurance . The State line issue is sort of a Strawman issue . Pricing for insurance like health , or home or auto is based on the cost of services provided within that state , county or zip code . That is how insurance works , without the government involvement . No insurance company in their right mind is going to undervalue their premium in an overvalued cost area . That just does n't happen . So if you were to buy health insurance from a company in Utah , expecting Salt Lake City rates for your coverage in San Francisco , you 'd be wrong . The Utah company would price your policy for the cost of care in San Fran , not Salt Lake . 