>>When you say free market do you mean with insurance? or without? Either I would like to so innovation in that space where today the government is stiffing th

>>When you say free market do you mean with insurance? or without? Either I would like to so innovation in that space where today the government is stiffing that. For example there was a Doctor in Kansas I believe that attempted to open a Medical Coop where families would pay a monthly fee and then get access to the facility for their general medical needs.This was deemed to violate medical billing regulations so he was forced to shut it down. Then there is walmart, even a massive company like that could not navigate the regulatory burden to offer small clinics where a person could see an RN for minor medical conditions. They could not figure out how to comply with the regulations and make is profitable. There is a reason ALOT of the medical services (Doctors offices, Networks, and Hospitals) are actually NON-profits. People believe that the "profit motive" is the reason for high costs, when in reality the delivery of medical services outside of Pharmaceuticals and devices, is already non-profit As to insurance would also like to see a return of actual insurance. We we call "health insurance" is not really insurance. Insurance is about risk pooling to absorb known but unlikely events. Insurance that covers all medical expenses (i.e comprehensive coverage) is not insurance. My Auto Insurance does not cover oil changes, and my Home owners insurance does not cover replacing my HVAC system so why does my health insurance cover my annual checkup, and when I have a cold???? >>Most of health care costs are accumulated at the end. That is not an example of the incentives not lining up, and we have a solution for that, a solution I would like see expanded but HSA are designed for that.