You program still treats health care as a market commodity, which it isn't: unlike the usual perfect market model, there isn't any upper bound on the utility fu

You program still treats health care as a market commodity, which it isn't: unlike the usual perfect market model, there isn't any upper bound on the utility function. You'd be willing to pay any price, even a non-rational one, for health. So prices are lower bound. What more, your program assumes health care isn't a right, as even if it makes it more affordable, it still keeps it at a constant rate: that is, me and someone who makes half of what I'm making would pay the same, but that would be a different chunk of our paycheck. And unlike, say, going to a fancy restaurant vs cooking at home, you can't substitute health care. If you take health care has a right (art. 25 of the Universal Declaration of Human Rights does), then there is a simple solution for the above, known as single payer. Of course, it won't work in the US, because it isn't as biased against the poor as the "free market" health care.