Healthcare can be the difference between life and death. It is very much unlike any other market good. It is also somewhat unique in that failure to seek early

Healthcare can be the difference between life and death. It is very much unlike any other market good. It is also somewhat unique in that failure to seek early care often leads to much more extensive need of care later, and any imparement is a deadweight loss in human capital terms (unless you're a sociopath who thinks we need to clear out "surplus" population) A free market requires price discrimination to establish prices. By definition some people must be priced out of the market. There is no free market in healthcare that will deliver anything close to the correct care for the people who need it, and as mentioned delaying the purchase of care or substituting the wrong care is often the worst of both worlds. Health insurance is uniquely terrible: denying care is the quickest way to increase profits, and unlike fire insurance healthcare is needed by everyone at some point (most people never have their house burn down). There are some things the free market is bad at. Natural monopolies are one. Healthcare is another.