Is it just me, or is "health insurance" a misnomer?
As for utilties, I think we actually need _more_ markets; the great hope for electricity, for instance, is that (because it's a wasting asset: it's very difficult to 'store' electricity) you can convince buyers to take advantage of off-peak pricing in a useful way. The Enron lesson is that the WHOLE market doesn't have to go nuts to make this happen. Cheaper prices at off-peak should encourage changes in usage by big commercial customers, but not at the expense of freezing grandmas.