I believe that there are already a large number of insurance carriers in every state. Many carriers already cross state lines under the existing state regulations. I do not understand why there would be a significant savings by relaxing these rules further.

Nope.  Only a few of the larger carriers are available across state lines because the regulations and legal fees to do so are exorbitant.   That is where the cost savings come.  Smaller insurance carriers would be able to compete and a reduction in legal fees. 

The costs for insurance are high because the costs for health care are high. There is already a strong market for folks aged 64 years old who retired early. Their costs for insurance are fairly high. The costs for folks aged 72 years would be astronomical and only affordable by a small segment of the population.

Yes, to have good health care costs money.  Having the government regulate it would not bring down the costs.  The market you speak of for people over 64 is tiny and consists of mostly medigap coverage.   

You can call it whatever you wish. As you increase the age to 72, it will be an ever increasing percent of the folks in that age bracket.

The person at Target working as a greater yesterday was 88 years old.  If he could work, someone who cant afford to retire at 65 can.  Believe me.   

So I think that you agree that the actual healthcare costs would remain unchanged, it just a matter of choosing how to pay for services, either up-front or pay-as-you-go or some combination.

Not necessarily.  By allowing the individual to choose what type they want, they will have the ability to forgo coverage on areas that they dont think they will need, reducing the costs.  Like when you buy auto insurance.  If you lower the deductible, the cost will go up.  Remove collision, and costs go down. 

Many individuals can already deduct their health insurance costs through the use of HSA plans and/or by forming a small business entities. There do not appear to be any great savings by going this route. The premiums are still fairly high and the deductibles/copays may be much higher.

Negative.  Very few people have an HSA.  Less then one half of one percent do.  However, this is another area of cost savings.  My brother has an HSA and it has caused him to shop around for a cheaper doctor and ask him for generic substitutes for drugs.  Something that would NEVER have happened under our third party system.