I understand that mandatory health care coverage helps a lot of people by evening out outliers in insurance company costs and keeping the general insurance premiums down. I previously served in the military which has as you may know Tricare. Tricare pays out to health providers at cost for the procedures provided and thus keeps the cost of premiums low.
From what I have observed civilian insurance companies charge the premiums they want to and also pay health service providers whatever inflated costs they also have making things economically more difficult than necessary for the consumer. I have not involved myself with Obamacare as of yet because I feel that this is an injustice. I may now be forced to participate not because I need health care but because of penalty fees. I don’t agree with government subsidies and I know i couldn’t afford insurance without, I just find it frustrating to be forced into contributing to the national deficit.
I know I’m beating around the bush here but why do we have to pay so much into an unregulated system just to live our lives?
TRICARE is government run healthcare, the benefits being a lack of middlemen. ACA is quasi-private (private insurers and public subsidies) plus expanding public Medicaid. Each insurance type private, public, subsidized, TRICARE, VA, Medicaid, Medicare, etc all have their pros and cons. There would be a lot of wisdom in a "single payer" system like TRICARE where a large group (America) used it's bartering power to get fair rates instead of having insurer, hospitals, and phrama set prices for each other. That being said the inflated healthcare costs drive a large $3 trillion healthcare economy and we aren't so sure that would be easy to ween off of over night. As much as it seems wasteful, it brings a lot of perks with it in regard to healthcare technology and the economy (in the short term). Downside of course is the nightmare of a deficit and public debt projected by the CBO. No real easy or simple solutions here, but your points are interesting and the discussion important.
When it comes time for you to shop for private coverage you should read our page on subsidies. This will help you get the best value on premiums and out-of-pocket costs in the current market. Generally we suggest a Silver plan (read our explanation why).