Affordability, accessibility, quality?the hallowed trifecta at the center of the debate over health care reform. Proponents of reform argue that these three goals must be achieved for all Americans before any reform effort can be called a success. As a means to this end, supporters of market-based solutions to the health care problem are pushing to lift restrictions preventing the sale of health insurance across state lines. They maintain that allowing consumers to shop for insurance nationwide would increase competition, thereby lowering prices.