What we have now are islands of people, separated, and paying through the nose. I'm not advocating to take anything away from anyone..I'm not advocating for the government to regulate it or be in the buisiness of supplying it...I'm just saying that theire are artifical barriers that makes the industry inefficient
But I still do have the problem with the government
requiring us to have insurance. If any american doesn't want to have health insurance, they shouldn't have to...(car insurance is different on that regard though..since you put others at risk).
The problem is that those who don't want to have health insurance will still demand that they be treated in case of a catastrophic event. People without health insurance are essentially free-riders.