For good reason. What for profit insurance company will insure those 65+?
You mentioned free market doesn't work, to which I stated we don't have a free market. Asking who would insure people 65+ is a question loaded with many assumptions. In any case, Medicare isn't going anywhere.
I think you meant "/discussion."
Yet for those still on insurance, the market has remained reasonably free from government regulation.
This is again simplistic. There are many government regulations that are transitioning in, such as how reimbursements to physicians and medical facilities will have an increasingly higher percentage of "outcomes-based" reimbursement that will favor cherry picking easier cases and make it harder for those who are sicker to get care because they don't look good in metrics. There are many other things.
The truth of the matter is that you cannot have a free market (winners and losers) for something like health care. How to you haggle while suffering from a heart attack? How much is chemo worth to you? Why should MRIs change prices from hospital to hospital?
I think you're missing my point. People think everyone should have access to life-saving and preserving measures. Sure. That's not most of healthcare, though. And the things most people think are essential and life saving really aren't. It's a romanticized version of medicine that's true in movies. So when we talk about people having access to healthcare, we're talking about the whole kit and caboodle of the expanded definition of insurance and healthcare.
This article hits quite a few of these issues that I'd recommend a read.
https://www.zocalopublicsquare.org/2011/11/30/how-doctors-die/ideas/nexus/
Not only are a lot of the high-cost end-of-life interventions not too terribly helpful but a huge amount of the care, doctor visits and medications given to the elderly are not improving their quality of life, are not making them live longer and, in many circumstances, actually harming them. Nobody talks about the reality of medicine because portraying the romanticized view is much better for political purposes. People can't get care? People will die! People are getting care? Look at how much we've improved everyone's well-being!!
I think perhaps maybe you agree with much of this but see the solution from the other end -- that a government task force would create guidelines for treatment that would solve these financial woes, whereas I'd argue it's our responsibility as a society to understand what it is we're getting from healthcare, to stop listening to the politicians, and to be able to engage in better, more informed decision making with a physician without bringing the baggage of unrealistic societal expectation to that encounter.
Yeah, man, this isn't the best example.
I'd be interested in your thoughts as to why it's not.