Yes, surely the hyper efficient free market is much better here, not like we have decades of proof of the perverse incentives there. We should instead ensure every mother is crippled with life-long medical debt if their kid needs any help!

Also if we care so much about these inefficiencies, why is it that I still have to subsidize drivers? Why aren't we investing in better public transport infrastructure, rather than letting drivers take up 1000x the space on roads that I'm forced to pay for?

I don't see any mention of free markets in your post. The healthcare industry is not a free market, they are handicapped by regulatiom and by law are required to provide health insurance to anyone that wants it and cannot reject anyone. Of course prices are going to be stiffling when they have to give you insurance no matter your pre-existing conditions and no matter the choices you make