What the US has isn't free market capitalism. It is capitalism but with government imposed rules that are harmful to the common person. Your insurance depends your employer and you don't get a reasonable choice - they put in $1000/month that if you go elsewhere you lose that. Of course what your employer wants and what you want are different. Your employer wants the lowest costs for something expensive, and they want you to not quit until they are ready to get rid of you. You want some service with that insurance, but you are not a player with power so you don't get that.