If states still regulate insurance within their borders, how would this amendment "allow insurance companies the freedom to sell any kinds of health plans they want"? Or is Cruz taking regulation away from the states and giving it to the federal government?
My insurance company quit offering health insurance here (In ND).
Self-employed, I had a high deductible plan and a HSA. That did not comply with the Obamacare requirements. Like other insurers they quit offering plans which did not comply with Obamacare requirements. It was the ACA requirements that killed those alternatives for people
nationwide, not the States.
While the Feds can't regulate those alternatives (back) into existence, they
did regulate them out of existence. Remove those criteria, and the insurance companies can sell those 'lesser than Cadillac' plans again.
Remove the penalties, and people can get affordable coverage for the big stuff, and pay the little things out of pocket.