Yeah, I am disagreeing with the choice of a market solution for something which we want to make available to people who can't afford it.

That's not what markets are meant for or good at, especially not the deregulated free market that is often meant by questions like yours. As for a tightly regulated market with lots of requirements about coverage and price, some states already have that, and it's exactly those tightly regulated markets which the "let insurance sell across state lines" proposals want to disrupt.