Actually, sakic is correct.
Willing buyer, willing seller is the only real solution at this point.
Insurance companies are able to be directed to cover anything government directs them to cover - and then let “the rich” pay - that is, anyone who can afford the new cost of their policies.
They are an anachronism and a mere extension of government at this point.
Under the willing buyer/seller scenario you’d be asked “it costs this much, do you want to buy it?”
Under the scenario you mock you’ll be told “Wait in line and maybe you’ll get it”
And by law you have to get it, so if you're in line and can't afford it we'll "tax" you until we take everything you have left.