Nonetheless the really poor can NEVER pay for what they use in healthcare, so a free market system would never afford them much access. If you work a McDonald's or worse no job at all you are simply not worth enough to give you back a surgeon and MRI and hospital bed, etc. so it must be given by charity.
But the poor benefit from decreased costs the same as anyone else. I have no problem with the truly poor and needy being subsidized for their healthcare costs. That would just work even better if healthcare costs were that much less to begin with- less cost to everyone else to subsidize as well.
It amazes me people think the free market can't work for healthcare- and yet there are clear examples where it does. Lasik eye surgery is a good example. That's been a model based entirely on free market competition, not an insurance ponzi scheme. Therefore, the true cost of it hasn't been masked from the consumer. If you notice, Lasik surgery is advertised based on competitive price and skill/experience of the doctors. If you've ever been to a Lasik clinic, they are state of the art, clean, and you can show up, get an exam, and have the procedure done inside of a few hours and be in and out. Cost? It's gone steadily down, even as the technology has gotten steadily better. I remember when it was astronomical per eye- now it can be done for a few hundred per eye.
This is for a skilled surgeon to take a laser to your eyes. (Probably one of the last parts of most people's bodies they'd allow someone without a clue to mess with). Yet we act like it's the impossible dream to have doctors and nurses do routine things like prescribe medications, treat illnesses, give x-rays and blood tests and the like- all the procedures that make up most of what healthcare entails- for a reasonable cost.
People act like "heahtcare" is always brain surgery or something, when mostly, we're all paying a fortune for a lot of routine care that shouldn't cost nearly so much.
The free market can't handle everything, but it sure as hell could handle a lot of things. When my wife needed an ultrasound, we went to an ultrasound clinic and got one inside of an hour for about $45. No insurance scam needed. Why not free market x-ray and cat scan clinics that your doctor sends you to?
Free market health clinics with ala-cart menus of the services they provide (with a list of reasonable prices you pay up front) should be more common than fast food joints- one on every corner. Only a dumbass believes that just because something becomes more available and subject to competition and market forces does it automatically follow that it's less regulated. There would still be regulations and health inspections in a free market system.
When someone gets hit by a bus- of course, you go to the emergency room, not the corner free market clinic. But the great thing is- all the people who just have a boo-boo they need stitched up for $20 (not $1000+ a month insurance ponzi scheme) are at the free market clinic OUT OF THE WAY of the person who really needs the emergency room.
Just as you don't insure your car for oil changes, but against catastrophic damage, so too should health insurance be for catastrophic accidents, not routine medical needs.