"[S]uch a reform has no effect. Back in 2010, Georgia sacrificed its sovereignty to regulate health insurance, but premiums didn't change. The reason is that if a health plan wants to offer coverage in a state, it already can easily do so. Health insurers enter and exit markets all the time.... By far the largest determinant of insurance premiums isn't mandates, it's the provider network tied to a health plan.... [If] we owned our own health insurance, states would quickly harmonize their laws to facilitate a national market. Which brings us to a legitimate recommendation for Congress: Stop the tax code's discrimination against individually owned health insurance."