Fascinating. So your saying the user must be aligned for the free market to work? How about employers choosing from a set of health insurance plans you can ch

Fascinating. So your saying the user must be aligned for the free market to work? How about employers choosing from a set of health insurance plans you can choose from? That’s a misalignment no? If I could get a coupon to buy my own insurance I may choose something better for me from an entire marketplace of plans. Instead I get stuck with the calculated decisions of people I don’t know trying to optimize their own profits while satisfying a set of people with very different needs and risk profiles than myself.