Oil changes are a very poor analogy for health care. First, the argument that insurance disrupts market pricing is wrong. Car insurance does cover car repairs

Oil changes are a very poor analogy for health care. First, the argument that insurance disrupts market pricing is wrong. Car insurance does cover car repairs and the car repair market is quite competitive, since insurers are heavily invested in managing prices. The problem here is not insurance. It's that health care is a poor fit for free market dynamics. In order for markets to function, consumers need to have the ability to comparison shop. That core requirement is often severely constrained in the health care "market". One reason is urgency. A great deal of the most expensive health care offers no opportunity for the consumer to comparison shop whatsoever, because it's an emergency situation. You're wheeled in unconscious on a gurney. Even for non-emergency care, like cancer treatment, it's often urgent. Another reason is capital requirements. Doctors and hospitals are extremely expensive to create. In order for markets to function there need to be multiple options to choose from. But the capital requirements of doing so with expensive specialities like oncology significantly retard competition. There is a reason why every other industrialized country in the western world coordinates health care via a single-payer government instead of the free market. And usually with better public health outcomes. Markets are not always the best solution. Consider the fire department "market". We actually tried that once in the U.S., a long time ago. Houses would pick their own fire company, which competed with one another. You'd affix an emblem on the front of your house with the company you subscribed to. It was something out of a 20th century Libertarian fantasy. Not so great a solution for fighting fires though.