I love how conservatives still make this argument. You're arguing for the free market in a system that literally isn't, and doing it in such a way that it tries to be a thought-terminating cliche.
If you get into a car accident tomorrow driving to work, the ambulance/paramedics aren't going to ask you to do your research prior to shuttling you to a hospital to get life saving treatment. Even if you could how would you be able to tell which hospital has what price structure, what services you'll actually need given your medical condition, and what arrangements they have with various drug manufacturers and how that relates to what you require to help your condition. Save it.. "no one to blame but yourself" is so incredibly idiotic is comical.
Take something even more benign, like someone falling and breaking/straining something. Wanna still do your research first? Is it a sprain, fracture, break? How do you know? Is it clear cut? What pain medication will you need? Will you require surgery? What lab work will you need? How many tests will you need? X-rays? CAT scan? MRI? What kind of surgeon? How many nurses? Will you require blood? Whats the recovery like? What about follow up visits? Do you expect us all to practice free market principles and know all that crap in advance for price discovery before deciding to seek treatment?
True free market principles require an asymmetry of information for the system to work, and even "fathers" of the theory understood that and acknowledge the need for regulation when its absent.