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punish the prudent

ACA: Good name, Possibly a good notion, Horrible implementation

The fundamental underpinning of the math and costs under mandated universal care NOT paid for by the government is people who have continuously paid for insurance are now pooled with folks who previously rolled the dice on the costs of chronic ailments. There is no reward for having paid to not take the risk over a long period and we are now burdened directly with the cost of the losers. Now, historically the culture in this country is that buying insurance is an individual risk choice. Don’t buy fire insurance? If your house does not burn down, big win. Most people choose to not take that risk and if you have a mortgage the bank makes the safe choice for you because their experience is based on a pretty good proxy for the entire risk pool. It would be entirely possible to craft a system that rewarded people for their past contributions to the shared risk, but that was not done.