Yes, we have a thoroughly regulated, negotiated, contractually obligated system. You can't have a true "free market" in health care without some truly egregious outcomes because when people are in health crisis they will pay anything to stay alive, and we already know we won't countenance the (let's call it what it is) extortion that the free market would produce in those scenarios. Because we want to feel like it's a free market, because free market economics is a cargo cult when it comes to health care, we get the worst of both worlds.