To the original question, "why not a free health care system," we should acknowledge that doctors and nurses and pharmacists, and drug manufacturers and researchers do valuable work, and deserve to be paid! And we should acknowledge that there are hospitals that do provide charitable service, and actually do subscribe to that philosophy that health care should be free.
But don't tell anybody. Matthew 6:2 "But when you give to the needy, do not let your left hand know what your right hand is doing,"
I would also make the case that insurers do valuable work, so long as their goal is to make health-care affordable for everyone. But in an environment of rampant and legal price-fixing, is it possible for such an altruistic health-insurance company to survive?
Some statistics to check out: (Source "Griftopia" by Matt Taibbi.)
"Americans spend an average of about $7200 a year on health care, compared with the roughtly 2900 average for the other market economies that make up the OECD (Organization for Economic Cooperation and Development), and for that greatly increased outlay we get higher infant mortality, higher obesity rates, lower longevity, fewer doctors per 1000 people (just 2.4 per 1000 in the US compared with 3.1 in OECD states), and fewer acute care hospital beds (2.7 per 1000, compared to 3.8 per 1000 in the OECD countries)."
"Moreover, private insurance provides almost nothing in the way of financial protection for those who have it. A full 50 percent of all bancruptcies in America are related to health care costs, and of those, three-fourths involve people who actually HAVE health insurance."
Taibbi goes on to suggest that perhaps a major contributor to that extremely high cost of health insurance is that insurers are legally allowed to do
Price Fixing, unlike any other industry, due to a law called the
McCarran-Ferguson Act.