At least with universities there is a semblance of a free market/competition/choice. I.e. you can compare universities etc. While with healthcare, nobody goes checking for yelp reviews of ambulance companies when they break their leg.

But the government broke the university pricing model by guaranteeing all student loans are practically non-dischargeable through bankruptcy and then double down on their stupidity with forgiving those student loans. The government when led by naive, busy body do-gooders almost always reach the lowest optimal point.

> While with healthcare, nobody goes checking for yelp reviews of ambulance companies when they break their leg.

In most progressive states, ambulance rates have to be set and approved by the Department of Health, at least. While not free market, as you suggest, this is also done for consumer protection (though I'll grant that many will argue that more could be done).

There should be more public university capacity to compete with private university tuition rates. Some things, like health care, may be so shot through with perverse incentives in both for-profit and nonprofit configurations it should just become a public good.