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If I, in Louisiana, find a provider in Alaska who offers what I want, at the right price, make it so I can get my insurance from that provider.
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That would be terrible for consumers. There's nothing preventing the Alaska provider from selling insurance in Louisiana (most insurance providers are multi-state), unless they don't want to comply with Louisiana's laws.
If the Federal Government made a law that insurance companies could ignore local laws except the ones for the state they were incorporated in, the insurance companies would start a bidding war for the state with the laws that were most slanted toward the insurance companies, and the least slanted for the customers, and reincorporate there. You're back to getting insurance from one state, but it's probably not your state, it's the state that is explicitly the most anti-consumer, and you can't even vote for more pro-consumer regulators, because you're not a resident.