[blrfyoms] Auctioning off your organs

What goes wrong when organ transplant recipients are chosen by bidding instead of transplant committees trying to select the "best" recipient?

In theory, the market should develop risk mitigation products.  Instead of paying out of pocket millions of dollars if you need an organ, you pay a monthly fee which covers a bid of up to N dollars if you should need one: it's insurance.  So I guess, what goes wrong are the standard problems with insurance.  Do the rich end up having that much of an advantage over the poor?  How much variability is there in the probability you will need an organ transplant?

Alternatively, what feedback mechanism is there that induces transplant committees to make good decisions and, more importantly, avoid repeating bad decisions?

(Inspired by organ transplant committees as depicted on "House, M.D.", which are probably horribly unrealistic.)