Health Insurance Is Illegal .It is a crime to buy or sell a real health care plan

FEE explains what a free market in health insurance would look like:

People would be able to buy less expensive plans from anywhere, particularly across state lines.
People would be able to buy catastrophic plans (real insurance) and set aside much more in tax-deferred medical savings accounts to use on out-of-pocket care.
People would very likely be able to buy noncancelable, portable policies to cover all unforeseen illnesses over the policyholder’s lifetime.
People would be able to leave costly coverage items off their policies — such as chiropractic or mental health — so that they could enjoy more affordable premiums.
People would not be encouraged by the tax code to get insurance through their employer.

Isn't time to separate health insurance from state?