Listen: If you know of a better way to encapsulate the idea of really creating a competitive market for health insurance, I'm all ears. That's just been the easiest way I've ever seen of expressing: "Hey, let's have a REAL market for the stuff, like EVERY OTHER KIND OF INSURANCE!"
Health insurance largely isn't like other forms of insurance, though. You can opt out of owning a house or driving a car. You can't really opt out of having health issues, and the potential costs involved make it impossible for most folks to effectively self-insure.
Most of the rest of the developed world has long since acknowledged this - that certain things are better disconnected from profit.
