That's great until you or someone in your household has a pre-existing condition, then you're hosed. Either you can't find coverage or the coverage you can find is both poor and unaffordable. The way that people with pre-existing conditions get health insurance in a company, as is, is through batch purchase of coverage. This isn't on the table through a single purchase agreement, which is what the great "free market" solution offers.
There are places where the free market is fantastic, but emergency services, like the fire department, police services and health care, seem odd places for nongovernmental intervention. Emergency services, foreign relations, trade, taxation and border disputes are what the government signed up for and they seem the least functional at the first two. 60% is a pretty non functional average.
It's been 10+ years since insurers have been required to provide health insurance to anyone that wants it, regardless of pre existing conditions.
The only thing ACA compliant health insurance can price health insurance is on age, and even that is set so the oldest person's premiums can only be 3x a 21 year old's premiums. I.e. health insurers are made to force younger and/or healthier people to subsidize older and/or unhealthier people.
There are places where the free market is fantastic, but emergency services, like the fire department, police services and health care, seem odd places for nongovernmental intervention. Emergency services, foreign relations, trade, taxation and border disputes are what the government signed up for and they seem the least functional at the first two. 60% is a pretty non functional average.