> Requiring universal insurance is a terrible way to try to arrange universal health coverage for the nation.

The country where Obamacare was copied from, Switzerland, also outlawed group insurance so (a) you didn't get health insurance from work and (b) EVERYONE was in the same risk pool.

The current situation, you have group policies that are actually affordable because...people with good jobs to provide it typically are lower health risks. Everyone else is stuck a shitty individual pool with lots of high risk individuals. As long as the group pools siphon off all of the low risk, Obamacare won't work.