That's what its all about tho right? Its not an immediate need, so some people blow it off knowing someone will save their ass if some accident happens, and they don't really believe it will happen anyway.
Then comes some freak accident, they slip and break their leg, and $50K later they are in a cast and claim they can't pay.
What will she do? File for Bankruptcy and stiff everyone else with the bill.
Hospitals are not allowed to let people just die out on the sidewalk, so the only other choice is to make sure everyone tosses in their fair share.
Which is why they should have framed this crap as a tax. Call it the "Free Rider" Tax. If you have health insurance, you don't pay it. You're taxing people who want a free ride by showing up to the ER with no insurance, which would be paid for by the "Free Rider" tax. However no one wanted to legislate or argue that. They went the commerce clause route, and that's just not enough to justify this poor legislation.
Also for the people saying poor people will get subsidies. What kind of insurance do you think these people are going to get? I don't think these insurance companies are dying to offer a good value at a low price. Plus if the poor can't afford premiums, they probably won't be able to afford copays, coinsurance, deductibles, etc. If you take those out, the price up and up. Definitely not what I call "affordable care."
The best solution is a single payer system where everyone shares the risk together.