I am in my early twenties. I exercise regularly, I don't drink to excess, I don't smoke, I eat well, and I don't do any dangerous activities. That means I probably won't break my leg or die of obesity-related conditions.

However, it damn well could be that I could get a disease or condition that no one can prevent. No one has any business pretending otherwise.

Uncompensated care in the US for 2013 was $85 billion (http://kff.org/uninsured/report/uncompensated-care-for-the-u...). Which may seem like a lot, but it's a drop in the bucket compared to the total health care spending of $3.8 trillion (http://www.forbes.com/sites/danmunro/2014/02/02/annual-u-s-h...). The alleged problem of people deliberately not buying health insurance and then freeloading when they get sent to the emergency room just isn't a significant factor. But the ACA cleverly uses that as a pretense to force young and healthy people to pay far more than the fair market value for insurance policies, as a way to disguise subsidies to others.