When I'm unconscious in an ambulance, I'm definitely in a position to appreciate all that price transparency the free market has provided, so I can rationally weigh up all my options calmly and objectively while my organs are shutting down.

The great majority of health care is not emergency health care. Actually, the fact that emergency health is so expensive is quite the incentive for preventive medicine. And for the rest, insurance is necessary. Like for house fires or floods: I get the insurance but I also check my wires and pipes regularly.