Exactly right. Libs try to make the analogy to car insurance, but you don't have to drive a car.
I'm not even sure this will meet their goal of redistribution. It will certainly pull more of the middle class into DMV-quality medicaid, but the rich will still be able to buy the best healthcare outside the grid. The only way they will get their pound of flesh from rich people is that health care innovation will decline overall as prices to providers are controlled by the government, but we will all suffer from that.