Remember when Democrats, still in the midst of shoving ObamaCare down the throats of an unwilling nation, argued that it would actually be "market-based"? Democrats don't know anything about how truly free markets work, of course, but their argument was that the ObamaCare exchanges were basically competitive marketplaces in which consumers could shop for the insurance that would make sense for them.
OK, granted, it's a marketplace operating under the artificially imposed and completely insane parameters imposed by the government. And OK, what we commonly call health "insurance" isn't really anything like a real insurance product. And OK, the role of pricing in this "marketplace" is complete contorted because the taxpayers subsidize purchases people make but cannot really afford.