That's not the point, the point is that many people couldn't either afford or obtain insurance. This is supposed to solve that problem. That 80% of premiums must go to patient care should cover it.<quoted text>
Nobody has ever answered how the cost of covering pre-existing conditions will be handled.
Why buy insurance until you become ill?
I agree it's a flawed program. Only hope that eventually we will join the rest of the civilized world and have universal single payer healthcare for all.