If the premise is everyone is buying insurance hence premiums will be lower and the way to insure everyone is buying it is if you don’t, you will be fined, this theory already fails.
I don’t know what the dividing line is between poverty and relieved of the obligation of buying insurance and those who are required to purchase it, that can be a thin line. And more people could fall below it.
If everyone does NOT buy insurance, the premiums won’t be lower. The only guarantee that exists to make people buy insurance is to say if you don’t, you’ll be fined. I see a flaw here. There will be people who just won’t buy it. As I say, who is going to know if they did or not? Who is going to enforce it? And if you don’t pay, what happens?
There are so many glaringly misconceptions. In a perfect world, everyone would be covered.
