those out, insurance will be pretty cheap. i would personally insure people if i could guarantee not to pay for any of those things on the list. so it s just i m a market guy, joy, you know that, i m a capitalist, i m a business reporter, i love capitalism, this makes no sense. and wendall, what would insurance companies do if you completely deregulated the market. would they ever insure somebody s child, let s say, who had spina bifida? would they insure an older person or sick person willingly? no, and that s a fallacy, this free market thing. theyon t want to insure people who ed access to care. this i went the healthiest and the youngest so, no, they would not. it s just absurd. the whole idea of the free market working is just a fallacy, as ali said. and even the notion of competition is a fallacy as well, too. the more insurance companies you have, the less market power any one of them has to negotiate with doctors and hospitals.