“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.
& market can also spread risk around (insurance) in a way that still discourages reckless behavior (eg smoking)
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).
