Compliance costs would likely decrease. Right now, an insurance business seeking to operate across the country needs separate regulatory approval from 50 states and the District of Columbia. Under national regulations, it would only need one approval. Compliance costs for multi-state companies - which sell most insurance - would go down, while compliance costs for single-state companies would stay the same. Of course, any expansion of government deserves a good deal of skepticism. Bureaucracies can become much bigger than their proponents initially promise, which is something that members of Congress should guard against.