Everyone involved in putting the ACA together knew full well it would collapse under its own weight unless the young healthy folks bought in. Then  in one fell swoop the brainiacs removed the very reason we buy INSURANCE, which is by definition protection against risk, by including the provision that you cannot be denied coverage even with a preexisting condition. So what does anyone with any sense do? They wait until they get sick to buy insurance!! And the young rarely get sick.. Can we agree any plan in which the customer prefers an IRS penalty rather then buying in is fundamentally flawed? But of course we can have no rational discussion here because to do so would expose Obamas "signature accomplishment " during his time in office. What Charles also carefully avoids is the reality that unions in government have produced this HAVES vs the HAVE NOTS scenario and the gap will only continue to widen as the private sector feels the pinch in the coming years.