All this time I was under the impression that Insurance or purchasing insurance was a commercial matter, due to Maritime and Admiralty law. Take a look at this:
Paul v. Virginia, 75 US 168 (1869), is a U.S. corporate law case, of the United States Supreme Court. It held that a corporation is not a citizen within the meaning of the Privileges and Immunities Clause. Of greater consequence, the Court further held that "issuing a policy of insurance is not a transaction of commerce," effectively removing the business of insurance beyond the United States Congress's legislative reach.
National Association of Insurance Commissioners
The National Association of Insurance Commissioners (NAIC) is the U.S. standard-setting and regulatory support organization created and governed by the chief insurance regulators from the 50 states, the District of Columbia and five U.S. territories. Through the NAIC, state insurance regulators establish standards and best practices, conduct peer review, and coordinate their regulatory oversight. NAIC staff supports these efforts and represents the collective views of state regulators domestically and internationally. NAIC members, together with the central resources of the NAIC, form the national system of state-based insurance regulation in the U.S. The NAIC is an Internal Revenue Code Section 501(c)(3) non-profit organization. Its current president is Ted Nickel, from the Wisconsin Office of the Commissioner of Insurance.[1]
Can you imagine the ramifications of this... regarding the right to travel freely?