You can now buy “skimpier coverage” and pay less.  When you incur a huge claim (like say a $300,000 heart surgery) not covered by your skimpy plan then you default on the balance, the hospital pays the claim for you and they build the cost of that loss into the rates that they charge people with real (non-skimpy) coverage and people on government funded plans like FEHB and Medicare.  Therefore people who fail to buy adequate coverage rely on their neighbors to pay their freight.  Get your fork off my plate!  Isn’t this why we wanted universal coverage to begin with? Thank you Dear Leader!  I for one never believed that you grabbed women by the p*ssy!