There are no free markets where price transparency doesn't exist. Even surgeons can't predict what prices will be for a procedure.

Healthcare, because of the complexity of understanding how the body works, is a natural local monopoly.

Are you going to shop around for a better deal on a quadruple bypass when you already trust your surgeon? How would you know if the cheaper surgeon was as good?

Healthcare insurance suffers from the classic agency problem and has no incentive to keep costs low over the long term because they take ~7% off the top for a pass through transaction.