From the article: “Some imagine that prior to Obamacare, we had a free-market health insurance system, but the system was already severely hobbled by restrictions.”
America has not had anything close to a free market in healthcare in the last several decades. Every administration messes things up even further than the preceding one. The best possible approach – please notice that I did NOT say “solution” – is the separation of health and state.
Short, excellent article here: http://fee.org/freeman/detail/health-insurance-is-illegal