Good post, but let's keep in mind that there's no "free market" in medical insurance.
The failure mechanism of the free market only works when you have a transaction conducted with a buyer and a seller. When you introduce a third party into the transaction to pay for the product or service, you end up with a complete disaster ... because you now have a buyer who doesn't care how much the product or service costs (he's not paying for it) and a "seller" (the third party) who doesn't care about the quality (because they don't have to live with the consequences).
Pelosi was orgasmic at the O/Care signing. (Ut, oh. Harry's hands are not visible.)
The Obamacare atrocity was a cunning vehicle for
consolidating Dummycrat power. Dems cashed-in bigtime.
(A) Michelle's buddy---botched the billion dollar web site rollout---still doesn't work.
(B) Harry Reid's $4 billion "accidental" payment to Landrieu is a clue to how the straight party-line vote got this atrocity passed.
(C) A multi-billion dollar slush fund---the Untraceable $8 Billion ObamaCare PR Budget---truly govt fraud at its finest.
Egged on by Pelosi, no one in Congress told Americans about Section 4002---which mandates an $8B untraceable fund to "promote" Obamacare (apparently b/c Boobamba had so little confidence in his signature legislation).
In 2010 Taxpayers are extorted $500 million, in 2011, $750 million, 2012, $1 billion, 2013, $1.25 billion, 2014, $1.5 billion and in 2015 and on, $2 billion........
"Under all the usual rules of interpretation, in short, the Government should lose this case. But normal rules of interpretation seem always to yield to the overriding principle of the present Court: The Affordable Care Act must be saved."
Justice Scalia, June 2015
There is no free market for a number of reasons:
1) government
2) government collusion with insurance companies
3) the structure of the market due to (1) and (2).
The solution is only found when the market is as free as possible.