You have no idea what you're talking about. The health insurance market in the United States is a divided into regional monopolies dominated by a handful of companies. Health insurance is a trust, a cartel.
reason they haven't been broken up by anti-trust laws is because Congress actually made specific exemptions protecting them from prosecution. Seriously, look it up if you don't believe me.
You act like the government has their foot on the neck of private health insurance companies, but that's totally not the case. Did you know that private health insurance companies are some of the largest recipients in federal subsidies and tax-exemptions?
The payroll tax exclusion of employer-sponsored health insurance is the single-largest tax exemption in the federal budget
, and all of the money goes directly to health insurance companies. (~$300 billion per year) Medicare Part C, a.k.a."Medicare Advantage", is a program where the federal government gives money directly to private health insurance companies to provide coverage for seniors who are already eligible for regular medicare. (~$100 billion per year). And don't even get me started on what they got from the federal stimulus package, or how they benefit from Medicare Part D, Medicaid, Disability benefits, Emergency Medical Treatment laws, or lack of prosecution for deliberately denying coverage for legitimate claims...
The federal government alone directly spends about as much in two
years supporting the health insurance cartel as it would for the proposed "Public Option" over 10 years
... Where is this "Free Market" you speak of?