Health insurance is an entirely different animal. It has its own flaws and issues, as well as its own benefits. You can't easily compare a service product and an insurance product, they're just too different.

Though yes, financially health insurance also has no monetary value when anyone can get it for free. You can't assign a price to it and anyone in the health insurance business is entirely at the whims of what the government is willing to pay them to provide a service deemed essential enough to subsidize the entire cost of the product.