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I've argued that much of what's messed up about health care has more to do with government screwing up the system than any  free market problems, with the idea that the real health care reform is to get government out of the way, not add more government.

If you want a free market, companies need to compete, not collude.  That's one important aspect of anti-trust law.

I had no idea until tonight that insurance companies enjoyed an anti-trust exemption. 

That explains a lot.