The Health Coverage Across State Lines Act aims to enhance access to affordable health insurance by allowing insurance companies to operate across state lines. This legislation seeks to simplify the regulatory landscape that currently complicates the sale of individual health insurance, thereby promoting competition and potentially lowering costs for consumers. A central feature of the Act is the establishment of a system where health insurance providers can designate a "primary state" to govern the rules and regulations for their policies, even when sold in other states.