[Excaliber]

Insurance across state lines will help, but I don't see a significant reduction in prices for insurance or health care costs as a result.

The fundamentals will not change. Actuary tables of death will still be used by the insurance companies. If you are a risky patient, your premium is still going to be out of reach. "Encouraging" young folks to buy insurance doesn't mean it will happen, why should they buy it just because it's cheaper? It's still money out of their pocket for something they don't think they need. When you see terms like "encouraged" to do something, it means the idea has no teeth, no enforcement, aint gonna happen.