Health care is special
Health care services are in a special category of "services". Unlike almost all other services in our "free market" economy, most health care services (just like police and fire services) are necessary for all residents-often a matter of life and death.
Incredibly, we treat most health care services as if they were optional for some residents. The extreme costs, the multiple inefficiencies, and the shameful injustice of our current health care system are the guaranteed results of treating heath care services as optional for some residents.
As a civilized nation, we would never tolerate a system where police or fire services were treated as optional for some residents. To understand how utterly absurd our private health care system is, imagine life in America if we treated police and fire services the way we now treat most health care services.