It's also pretty natural to not want to die because of an error on your credit report. Imagine, for a moment, that some other cwzwarich filed for bankruptcy a few years ago. By some (incredibly common) mistake, their bankruptcy ends up on your credit report. And you go in to the Emergency Room with a potentially life-threatening injury.

The doctor runs credit on you before providing treatment, and because of this erroneous bankruptcy that you may not even know about(credit reports can only be reviewed once per year), you are placed in the hallway instead of being given a private bay despite the increased risk of infection. The hospital wanted to make room for paying customers, you see.

So while it's natural to want to "sell" to "profitable customers" in this case applying free market principals to this makes a complete mockery of our health care system. And given the credit bureaus' track records of high inaccuracy and difficulty in disputing the reports, you're likely to get poorer treatment inexplicably, and entirely by accident.

Is there anything that shouldn’t be treated like a market?

Street lights? Police and Fire protection? Water access?

I don't think that health care (or the things you mention) should be treated as a market. I was only responding to the claim that this is a "cartel market" and not basic market behavior.

Gotcha. I've asked myself those questions to probe my feelings. I think things are going to get pretty ugly as the US starts to grapple with this again.