Comment: You cannot have a free market if insurance companies

are either banned or subsidized (controled).
If people want to pool their resources as insurance, that's their business. It only becomes a problem when they attempt to impose their choice on everyone.
Having said that, I fully agree that an insurance system encourages abuse, fraud, and excessive pricing. But I disagree that insurance per se has gotten us into the state we are in. I believe gubmnt interference is the main culprit.