The amount returned last year because of the medical loss ratio was trivial and most went to the employer who paid the premiums, not to individuals.<quoted text>You are not an Insurance company. The medical loss ratio WAS a big thing to them and they drove a hard bargain on Obama to accept the individual mandate before they'd agree to the ACA.
The individual mandate was essential to the insurance companies because otherwise covering pre-existing conditions would bankrupt them. And still might, if enough people choose to pay the tax instead of buying insurance. Why buy insurance if you can demand coverage after you develop a serious chronic illness?