Except for the fact that more and more costs are shifting from the insurance companies to private citizens.
It is a nasty cycle. More people without health insurance go to the hospital or doctor, can't pay and force hospitals and doctors to charge more to the customers who can pay (read: insurance companies), who in turn charge more in premiums, forcing more people to go without health insurance.
The ONLY way to break this cycle is to allow people to die on the curbs of hospitals after you refuse to treat them for lack of insurance.
We have a de-facto nationalized health care system now, and it is breaking down as we speak.
But hey, there's a free market solution to everything, right?
Pfft.

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