Again, understood. The proposed GOP reforms would eliminate the tax associated with the "individual mandate". That will, of course, directly lead to higher costs for insurance, but at least no one will be "forced" to buy. Folks can continue to be free riders, and the rest of us will pay for their treatment.
There you go again, with the 'free rider' thing. If you don't need services, you haven't ridden anything 'free'. You didn't ride. The insurance companies aren't the only ones who can figure the actuarials. If you are an ordinarily reasonable driver, sober, not a druggie, and don't have 'extreme' hobbies or sexual proclivities, you often will go through your twenties without requiring major medical services. Coverage for extreme situations with high deductibles would actually come down in price if more signed up, and as a hedge against misfortune, that should be enough. If people are starting a family, they would want more and different coverage.
The biggest problem is the imposition of a single omnibus insurance plan on those who do not need the services, and charging those people for the service whether they want/need it or not. One size does not fit all.
However, it still doesn't change the fact that there is no Constitutional Authority for the Federal Government to be involved in health insurance at all.
