Hard to know how to respond to this question. Would be nice to compare the rates side by side with those who have coverage.
ACA gets those without coverage on to the insurance rolls. Pre-existing conditions vs those who do not have pre-existing illness makes for a difference in premiums. Insurance companies got to cover all claims.
Hurricane insurance similar. We pay for those who get bashed every year by hurricanes and storms on the mainland. Insurance companies "spread" the cost around to all customers.