Originally Posted by The_Jazz

I really don't want to do this since I'm actively moderating the thread, but this is absolutely wrong. In order to sell insurance in a given state (unless they're going to operate as an excess and surplus lines carrier, which a health insuror cannot do except in very unusual circumstances) they must file rates with the state as well as agree to operate under certain guidelines.

And getting state approval is not automatic and is not a simple procedure. It can take years. Ask any property insuror doing business in Florida about how long THAT takes.