Not to be contentious, but the free market sorts that out every day all day tens of billions of times every day.
Can you give me one example of a “free market” at work in an industry that is built almost entirely on third-party payments for a product or service?
Phase 1 will end Obamacare. The Senate rules for reconcilation with a Budget require what is being done to enable ending Obamacare with just 51 votes. Any other technique would allow filibusters and require 60 votes. No Democrat will vote for repeal.
Sit tight and let the system work. Investigate yourself and you will understand.