Term Life Vs Whole Life Insurance

Should we deregulate the health insurance industry?
Insurance companies are one of the most regulated industries on the planet. Instead of putting implement a universal Health Care System, if the health insurance model on the model Of Life Insurance in force today? If you deregulate the industry Insurance and allowed competition between states, would be affordable. You can have all the health that grows in value until you need it, as all life. You buy what young to get the interest. You term health that can be purchased in 1 year, 5 years, 10 years or 20 years increases life term. Premiums would be based in the policy you choose and a physical examination. 1 years term health and would be cheaper to cover basic health services and the cost is adjusted each year we get older. All health would be the most expensive and have not used all politics when it dies, it passes the value retained in their children or spouse. To me this makes sense vs UHC. Thoughts?
We must liberalize all markets. Government regulations are bad, period. That's what drives business overseas. No company, no jobs, unemployment, social support, your taxes go high. The market can handle himself. We do not need government protection, we can buy for ourselves and if things go wrong, learn and move on.