if insurance was illegal then healthcare would be dirt cheap and the quality would improve as well. same for every similar field. college, for example, would be dirt cheap if loans to go to college were illegal. prices have to down regulate to a point where they're affordable. but when loans and insurance become standard practice, the price setters no longer have to ask themselves if their customer base can afford their services and they can inflate the prices upwards of hundreds of times what they're actually worth.
United States