There is no discount.<quoted text>
It absolutely does change the free market aspect. You're forcing people to purchase something so you can give people who ordinarily couldn't offord the produce a discount. That is not free market. What incentive do insurance companies have to do better when their clients are forced to buy their product?
The insurance companies are not giving poorer people a lower price that people who make more money.
I also have some news, there is more than one insurance company, Free market to obtain customers drives their need to do better.