[dheer01]

My cook makes 15K per month. Life threatening procedures are relatively rare. Incase he has to go through a similar surgery he can go for a 'package' which will cost him 50K. There are no 'noticeable' differences between the health care that he will get to what my family member got. He can afford 50K for something as rare and life threatening like this.

Mouthshut.com was just an example to demonstrate what it means to have a free market. My cook obviously can't access it - but he will ask me and his relatives on which doctor/hospital is good/cheap. He faces greater infomation assymetry - but the fundamental advantages of a free'r market still accrue.