United States v. Southeastern Underwriters Association was a 1944 Supreme Court case that ruled that the insurance industry should be subject to federal regulation.
The ordinance gave legislators authority over interstate and international trade, including the sale of insurance policies out of state.
In 1945, Congress passed the McCarran-Ferguson Act, which freed the insurance industry from much of the federal regulation.
Passed in 2021, the Competitive Health Insurance Reform Act of 2020 allows the federal government to take action against insurers that behave in an anticompetitive manner.