Ok Nutjob lets try this with ENGLISH.
He was my partner in this company that had 1000 employees. So there was no 'individual' market to concern myself with, he was in the group pool. Read what I wrote, he needed a policy that he could use regardless of where he was. Blue Shield offered one. Even though I would spend about 20% of my time in South Florida, I didn't care to get that plan. This was purchased, the first time, I believe in 1998(?) and he got lung cancer in January of 2003 and died June 2005. So yes, it happened.
The rest you are close to being 100% accurate. Insurance is state regulated and controlled. Selling across state lines will not benefit anyone other than sham insurance because it will not lower costs. All it will do is move liability laws to another state. HINT: South Dakota for financial companies.
As far as MORE regulated . . .
Let's see - airlines, airplane makers, medical device makers, food, utilities, tv stations . . . all more regulated. I think financial companies may be close to the same as health insurance companies.