Repost as necessary to get good traction...
From my experience, the only type of insurance that really operates under "free market" conditions is life insurance. That's because it's a one-time claim resulting from an event (death) that is rarely subject to any kind of dispute.
Other forms of insurance all have their place in a free-market economy, but it's naïve for anyone to act as if the purchase of an insurance policy is subject to the same kind of market forces as the purchase of an iPhone or a box of corn flakes.