Health Coverage Across State Lines Act

This bill would allow health insurance companies to sell individual health insurance policies across state lines by designating a single "primary state" whose regulations govern the policies, while being exempt from most regulations of other states ("secondary states"). It prohibits insurers from changing premiums based on health status or medical history, requires clear disclosure to consumers about which state's laws apply, and mandates independent review processes for denied claims. Secondary states would still be able to require insurers to pay taxes, register with the state insurance commissioner, and participate in guaranty associations. This would primarily affect health insurance issuers and consumers who purchase policies across state lines, potentially expanding policy options while reducing some state-specific consumer protections.