A free market will reflect what people are willing and able to pay for such services.
The most perfect solution.
We do not have a free market, because the government is (heavily) involved in providing healthcare, by massive regulations on who can teach what, on who can provide what services, and most importantly on who cannot provide services.
Massive government interference.
As long as the government is manipulating the market, then we need to provide everyone some coverage option.
If you get government out of healthcare, get government out of healthcare.
Out.