“The smart response to market failure varies sharply depending on what the market failure is supposed to be.  If the problem with free-market health care is just that poor people can’t afford health care, then the smart response is simply to give poor people more money (or possibly a cash voucher), and leave insurance companies alone.  Think about how we usually handle hunger among the poor.  We don’t set up byzantine regulations for grocery stores.  We give the poor welfare checks and/or food stamps, and leave the grocery stories alone.” — Bryan Caplan, economist responding to the question of free market healthcare