The market provides many things stably. Its not always the same people but the result is the same. Grocery store is a good example. Gov isn’t need to say each store must stock bread.
Things that follow market sources should. Supply and demand is a great self regulating system. Not all thigs obey market forces though.
“Follow market forces” really just means people respond to price information. If price information is corrupted or obscured (as in healthcare) then yes, market forces do not work.
I think it is the product that is the main problem. Life, or death, often make it an immeasurable problem. Also it is cheaper to prevent, than treat usually.
unlike political solutions that restrict the use of historical data that is "racist" or "sexist" or whatever by current political standards to accurately price insurance
true, though this would bias survival to people who plan, & people who can afford to be reckless (though they would be draining their resources at a faster rate).
The solution though is to return to accurate price information (freer market), not to further obscure price information by adding new rules, laws, and bureaucracy.
That would be helpful at least. There are a lot of ways prices have been obscured over time. I think Americans often pay more for drugs to cover selling them cheaper in poor nations.
& you're right prices can be inelastic (needing treatment for a life-threatening disease). But markets generally create alternatives & competition drives down prices/increases quality
Pharmaceutical companies give away a lot of parasite drugs to third world nations for free. Some of the cheaper drugs are to compete with generic versions though. Some are offset price