The whole point of the mandates is so the insurance companies provide quality basic care and don't rip you off. Affordable Care Act is a tax law and the issue is that the insurance companies want to continue making huge profits from you, but now that they have to cover people they previously refused to give coverage to, they want want to increase their margins by increasing premiums on you to discourage you to use their coverage to seek the medical care you need. There are multiple solutions to the rising premiums issue, but this isn't one of them - no matter what the insurance lobby says. Some solutions include: A. opening the insurance market to the whole country instead of by state. B. creating a competing federal corporation (think FreddieMac and FennieMae) that offers basic coverage for a reasonable price. This will drive the prices offered by private insurance down, and allow customers to seek premium healthcare from private insurance if they want something in additional to basic coverage. Option A and B could work phenomenal together and make a huge difference. Option C would be to have mandated prices for basic coverage offered by private insurance companies, possibly offering subsidies. Option D is to switch to a UK type system where the government provides healthcare and premium services such as dental are offered on the private market.