Free market solutions to problems are almsot always better. Why? Because an individual business is far more agile and nimble that the lumbering slow federal govt. I hear this complaint all the time. What about people that are born into a higher risk pool, and no one wants to insure them? Usually the claim is that govt healthcare would be better.... because it would guarantee their coverage will not be dropped.
How about this for a free market solution? Let's say you have a son/daughter that has a much higher risk for a certain type of cancer. Your family history says so. You natuarally fear for your child in the future and work out this deal with an insurance company. You pay that insurance company every year since your child in born, and once your child turns 21 they will not cancel their coverage, or raise their rates for 20 years. So basically the insurance company gets your money free and clear for 21 years, but in return, you never have to worry about cancelled coverage, or rased rates again. Or at least not for a good long time. Is this solution perfect... certainly not! But it demostrates what a free market solution can do. It also shows how this sort of arangement is voluntary, vs, govt forced. Like I have said many times before I really do not like the idea of govt coercion at all. And I think most problems can be solved privately in a volutary manner...