The problem from my point of view is conflating ongoing healthcare with catastrophic coverage. Outpatient care should absolutely be a free market (prescription

The problem from my point of view is conflating ongoing healthcare with catastrophic coverage. Outpatient care should absolutely be a free market (prescriptions, lab tests, specialist visits etc.). Catastrophic incidents/diagnoses should be a simple lump sum payout (Cancer, Hear Attack, Stroke, etc.). Alternative options I've seen being offered for ongoing healthcare is Direct Primary Care where essentially you pay a membership fee to have unlimited access to a primary care physician. I think the root of the problem is subsidization and the patch work of legislation that gets piled on year after year to "fix" the issue. The entire price function is completely out of wack and as long as the patient is stuck between the provider, insurance carrier, and government debating who has to pay, they will lose.