One of The Donald's major thoughts about bringing down the cost of health insurance is to allow insurers to sell health care policies across state lines. Cross-state insurance is also popular with Conservative lawmakers, especially those who see state-level regulations demand consumers purchase coverage they do not need or particularly desire, and also raises the cost of health insurance.

Critics of the notion believe cross-state insurance is not likely to be more affordable. They also insinuate cross-state insurance would possibly undermine strong consumer protections, particularly in Hawaii and California. This, they claim, could also result in leaving elderly consumers unable to afford health coverage.

Sixty votes in the Senate would be required to pass legislation related to cross-state insurance. This means The Donald's plan would require some support from Democrats to pass. The odds of Trump receiving that necessary support appears to be highly unlikely.

Approximately 20 million American citizens who purchase their health insurance directly from insurers would be affected by Trump's cross-state policies plan. These health care plans are regulated as far as the minimum benefits that must be covered, and medical disputes between consumers and insurers are concerned.

The Affordable Health Care Act did raise the minimum standards for coverage nationwide. That remains one valid point of the AHCA. Republicans have promised for the longest time to repeal this Act and replace it. To date, they have nothing to replace it with.

David Jones, the Insurance Commissioner of California, stated, "The Trump proposal on cross-state sales would eviscerate (weaken) the ability of state legislatures and state governors to decide what the appropriate consumer protections are for their state's consumers and businesses."

Barbara Klever of the American Academy of Actuaries, responded, "Premiums really reflect the cost of care where an individual lives."

Joseph R. Antos, an Economist with the American Enterprise Institute, claimed, "The idea of cross-state health insurance has an instinctive appeal because Americans have seen competition drive down costs in other areas from credit cards to air travel. But, it's a faulty analogy when it comes to health insurance because where the competition needs to happen is among hospitals and doctors."

So, although the consideration of cross-state insurance sales has been around for a decade or more, experts believe it might not deliver as it promises it will.