People who were not required to have insurance gamed the system and didn't pay their bills which imsurance companies passed on to us. They have to pay for insurance as it's not something they can decide to never use, they do costing others. By them payimg they keep a balance in the risk pool. How is it private companies that are govt regulated like mortgage and auto industry are allowed to make people buy insurance. This cannot be a state issue as there is too much disparity between them and forcing someone to move to a better state for health insurance is inhumane, as Mulvaney suggested.