As to "free-market" solution; have you ever seen an EOB from a private carrier? Ever compare the "initial charge" to the "adjusted charge?" Usually, the adjusted amount is somewhere between 50% and 90% lower. If all an uninsured person ever gets is access to the network pricing, they're much better off. Also, the mandate is laughable. I don't know if it's good public policy or not, but it's blatantly unconstitutional. Somebody sitting in their living room deciding to not have insurance is not within the purview of the federal government. Period. CJ Roberts' assertion that it's part of the "taxing" authority under the 16th amendment would be kinda funny if it weren't such a tremendous breach of individual rights. The government lawyers didn't even assert that as a defense because it was such a joke. So, under this taxing authority, you don't have to submit to a spot strip search, you just have to pay a $10,000 tax if you don't, right? Have fun with that kids.