The individual mandate addresses the exact problem that you assert it does not:.
"ObamaCare “promotes irresponsibility by allowing healthy people to wait until they get sick to buy coverage. It creates that free-rider problem, which has been known to make insurance markets collapse. "
Even if you have other problems with the concept of an individual mandate, it directly addresses the p
And prior to Obamacare being fully implemented, there is a free rider problem with those who used emergency room services without being able to pay. Why don't you care about those free riders?