A free market involves choices, information, and the ability to change choices based on that information. With health insurance the choices may be limited, you

A free market involves choices, information, and the ability to change choices based on that information. With health insurance the choices may be limited, you have very little information about what things cost and whether insurance will cover a given procedure. Most people are not educated well enough to be able to properly evaluate their options. You are only able to change your choice once a year. This is a free market in name only. But the impact of choosing incorrectly is very expensive.