Ubiquitin,
1. I did not say that you said otherwise. If you agree with me yasher koach.
2. You said that insurance companies prefer group insurance because workers are more likely to be healthy.
3. How does the Torah oppose free market capitalism? It is true that there is the POSSIBILITY of restrictions but they are not mandatory and usually need the approval of an “important person”. For example, rent-seeking is becoming particularly odious in the US. For example (it is being challenged in the courts), LA requires licensing of flower arrangers after they pass a test in which they demonstrate their floral arrangement prowess. Actually, even doctors need not be licensed in Halacha although non-licensed doctors have complete liability in tort.
4. Hasagat gevul is a property protection. Free-market capitalism does not allow theft.