Before the ACA, all had the "right" to go to an emergency room and be served, since hospitals could not turn away. The losses due to this then spread across everyone for actual care received.
Actual care was replaced by insurance! It's mind-boggling people don't make the connection that MORE money will be spent than actual care received. 
Insurance companies make money. Simple.
As for "care" referred to, the numbers of expensive electronic devices and pills have explosively increased in the last few decades. An MRI for everyone!
All for the continuance of life for a few years for a few.
If you aren't on a pill or two, or ten, for something, people wonder if you're committing suicide.
People live, and all die, and few actually need the "care". The young figured that out, and, gee, who would've thought they don't want to pay $12K/yr plus insurance which none of them need until they're sixty. Better to save it!
Trump's right on this one, it will implode at some point w/o gov't bailout.