If the insurance didn’t create the atmosphere of territorial turfing, prices would be naturally set by competition. They would be much more accessible.
Healthcare suffers from several very competition distorting Economic effects.
- The so called “expert advantage”, which is the situation were the buyer doesn’t have the expertise to judge the quality of the service the seller is offering.
- That buyers are willing to pay just about anything to survive, so unlike pretty much everything else the upper limit to prices is incredibly high (basically, everything a person has plus how much debt they can take in).
- As somebody else pointed out, healthcare service provision is geographically constrained for a lot of things, the more urgent the situation the worse it gets, so for example if you have an accident and your life is in danger, if there is only one Hospital in town that’s were the ambulance will take you, so you literally have no choice.
- The cost and time to train medical professionals as well as of the equipment, means that for anything beyond simple clinics there is a high barrier to entry into that market.
Unlike the ideological pseudo-magical fantasy bullshit that some politicians spew about the Free Market in order to defend certain choices of theirs that benefit those who given them millionaire speech circuit fees and non-executive board memberships (namelly to justify privatising things that are in low competition or even natural monopoly markets), Free Market Theory only works for a few markets where there is a natural tendency for competition such as, say, teddy bears or soap, not for markets were there are multiple factors reducing choice and the ability of buyers to judge the quality of what they are buying before they buy it.
Same “logic” as saying that “no one is forcing you to eat”.
In reality those who do have an option to not drive are in certain professional occupations (basically office jobs with remote working) and/or live in certain places (such as city centers were housing costs are much higher).
The forcing to drive isn’t done via a clear explicitly written law that sets penalities for people who don’t drive (clearly the only level of extremely painfuly obvious limitation that certain people need to identify it as an imposed choice), it’s done by removing choices from people or artifically making other choices be very negative, for example by giving so much room to cars and such weak penalties for running over cyclists that cycling becomes very dangerous, by outside city centers not having proper pedestrian walkways or by how Land Property laws inflated the price of housing - a life essential - to such level that many people can’t afford to live near work and have to commute to it, which they can’t do with public transportation because no such thing is provided or is laughably inadequate.
The “forcing” isn’t don’t in a “so painfully obvious that even a simpletion gets it” way, it’s done via removing of making unviable choices at multiple levels and isn’t equal for everybody - generally the less well of you are the worse it gets (for example people whose bank of mommy and daddy paid for their higher education so that generally they earn enough to have access to the kind of housing and/or be in a profession were, unlike the others, they do have a real choice not to drive).
(I actually don’t drive, and I’ve chosen not to drive because I can and I do think more people who do have a choice not to drive should do it like I do and walk or cycle to work, or even work from home, but I also hail from a poor working class background and don’t run around with well-off middle class delusions that my somewhat priviledged situation is typical rather than atypical)