It is quite funny how their minds work. Problem with the insurance market such that they tend to increase prices when you get old and sick? Simple! Just take out an insurance policy on that. Of course, if the same thing happens with that insurance policy...take out another one! Eventually all the risk and costs will be passed on to insurance policy #666, at which time the health insurance companies will eat up 80% of our GDP.
They almost grasp the problem, but they're ideologically unable to understand the obvious solutions.