If you're talking free market without regulation you are wrong, they are all regulated.
As far as Obamacare is concerned you are not buying a government plan you are buying a plan from an insurance company.
. And the plans aren't worth the paper they are written on. How many are paying the dam tax/penalty ? These people don't have any insurance coverage, and most of them are family members who can't be covered by their spouses employer provided plan, because it is unaffordable. Then the plans don't cover top care when needed, and that to me represents death panels. My co-worker purchased ACA for his wife, and when she tried to use it at the specialist that would best suit her needs and conditions, the plan wouldn't recognize the specialist nor would the specialist accept the plan. They dropped the ACA, and began paying the penalty. They ended up paying out of his pocket for some temporary shots to her back, yet they were not a fix in the situation. Like I said, how many are not covered, and are paying the dam penalty ?