There is no free market for expensive, emergency care. You're not going to drive to Nevada to get cheaper care while you're having a heart attack. There's no f

There is no free market for expensive, emergency care. You're not going to drive to Nevada to get cheaper care while you're having a heart attack. There's no free market for health insurance for the people who need care. Insurers don't want those people as customers, not from any state. They're money losers. What pressure is there to lower costs? Why would they charge less?