You posted:
"force doctors and hospitals to accept what people could afford to pay."
That is not the "free market". "Forcing" anyone to accept "what people could afford to pay" is Socialism if not Fascism.
If you can't afford to pay what I charge for my goods or services, you don't get them. I can't be "forced" to accept what you can afford, that would be involuntary servitude.
I agree with that. You are still misreading my post. The free market sets what people can afford to pay. If there was no insurance they would be forced to accept market rates instead of inflated insurance driven prices.