We agree on the cause, but not the solution described in your last paragraph. If it was truly a free market, the federal government wouldn't be involved at all

We agree on the cause, but not the solution described in your last paragraph. If it was truly a free market, the federal government wouldn't be involved at all and I could buy insurance from any company in any state. It's because of the government's involvement that I can't buy insurance of my choice and preferred pricing from any insurer in any state.