What difference does it make, if every insurance company who wants to sell insurance in that states, DOES sell insurance in that state, and they do!
Because not EVERY insurance company CAN.
I can assure you that there is nothing barring a New Jersey insurance company from selling insurance in Idaho. if you have something that proves differently, please post a link.
I don't really have the time to do all the research on this to win an argument with you. I think they have to put up the bond money for the state they are practicing in. They have to meet individual state requirements within that state and it's cost prohibitive for smaller insurance companies.
I know that you've been around long enough to have heard this argument presented by conservatives who do know what the **** they're talking about and aren't just making up nonsense. Of course, you might think it's better to tell people they're making up nonsense rather than admit they have a valid point. And the choir you're preaching to is just dumb enough to believe you.