IF ACA had been fully implemented there would be plenty of diversity to choose a plan and very inexpensive. Those that don't want to pay now, can't pay later later... the hospitals eat the bill. Folks seem to forget that before ACA, the hospital doors were closing and filing bankruptcy across the country, nor do they remember why an aspirin cost $10 if given during a stay. We pay taxes for our homes, gas, cars and must have insurance... instead, congress repeals ACA 52 times costing millions of $$. Health care is a need that hits all of us one day. Folks that don't want to pay insurance puts the burden on all of us to pay when they can't. The more people with insurance reduces the cost instead.