Not everyone needs a car...
Astute point.
And while auto manufacturers deal with a fairly hefty list of requirements and regulations in order to do business, I'm pretty sure they're not enjoying many of the levels of exclusivity enjoyed by America's health care insurance sellers. That level of exclusivity is what bars many rational and reasonable forms of competition. See the John Mackey essay I posted (WholeFoods Alternative) wherein he promotes the important message that Americans should have a wider access to health insurance products.