I don't see this as libertarian at all. OK, so you have your choice of several highly regulated companies that are part of a system that is highly monopolistic

I don't see this as libertarian at all. OK, so you have your choice of several highly regulated companies that are part of a system that is highly monopolistic in almost every way. Have you actually ever tried to haggle price? Forget haggling, it's almost impossible to even get a price upfront in the first place. If you don't believe me, call a few doctors and ask them what you will pay exactly for a specified procedure. I travelled to southeast asia once and forgot my prescription glasses. I literally walked into an eyeglass store, got a free prescription, and brand new pair of glasses for $10. If healthcare was a truly free market system, almost everyone would be able to afford it without insurance.