When the actions of the free market lead to a near-global economic collapse, it's time to begin seriously considering whether the free market is the answer for health care.
The free market is not the answer to lowering health care costs (which is greatly needed) nor the answer to better health care for everyone. In fact, the closest example of market-based health insurance, Health Savings Accounts (HSAs), cannot fairly be called health insurance at all. Nonetheless, market-based solutions to health care are the politically popular ones and the only options that continue to receive serious consideration.
Greed, lack of transparency, and complex sets of rules are what people are agreeing has brought the economic market to its critical point today in need of rescue, and there is no reason to think that a free-market solution to health care will have better results.