The problem with insurance is that forcing people to have insurance is a reaction, not an action. The action to begin with was to force insurance companies to cover people with pre-existing conditions without gouging them every month. Before this, a person who had a medical issue before they could walk may be denied insurance for the rest of their life, and if they find someone who would give it to them, they would be forced to pay exponentially more than another person, whether or not they're even ill anymore, because the insurance companies don't want to take on the liability. The point was to make insurance equal for every person.
But then it causes the problem of people gaming the system. If pre-existing conditions were never taken into consideration with insurance, then no one would ever need to get insurance until they got sick. They could get ill, then start paying for insurance, then drop it once they get better, over and over. This would end in insurance companies tanking because that's not how insurance is supposed to work. So the forcing of insurance is a reaction to allowing people with pre-existing conditions to get insurance, so people won't wait until they're sick to get insurance and drop it once they're well.
