What about this problem that I had before the ACA:
I'm healthy. My BMI at the high end of Normal, but still not enough to be classed Overweight. I am working on this at my own cost to get back more to the middle of the normal road. I do not smoke, anything. I do not take illicit drugs, and even over the counter stuff requires absolute need before I pop a pill. My cholesterol is good. My Blood pressure is normal. I don't drink but maybe once every few months. My only vice would be caffeine, and that's only a cup of coffee and a Mountain Dew a day. I have not called into work because of illness except for once during an excruciating migraine in the last 3 years.
Before the provisions of the ACA, starting in 2009 I was classified non-insurable due to a preexisting condition that wasn't discovered until a Workman's Compensation claim. I was probably born with it. I have no physical disability from it. I have no mental disability from it. It's not likely to kill me before anything else would. If the condition was a bit worse, I could get surgery to correct it, but at the moment it's too small to touch without neurological damage. Basically it could go away on its own, it could enlarge to a point where it's fixable, or it could always be the size it is now and show no adverse effects, but because it's on my record, I couldn't get insurance.
No. My Pineal Cyst is not your problem. It's not my problem either; not directly my problem, anyway. I'm not going into any other details but there are procedures that I needed that were denied me since I didn't have insurance to afford them. I finally got insurance this year through my employer under the new initiative for compliance with the ACA that they started in July. When my coverage kicked in, I started to get things fixed that have been getting put off for affordability. Things that would have been covered by Insurance to begin with. Things that would not have been as bad as they were had I been able to get to a Doctor sooner. Nothing serious. Nothing life threatening. But they did make day to day living interestingly painful at times.
And one final note. You apparently have no idea how insurance works. By its very definition, in purchasing a policy, you are putting money into a giant pot to cover the costs of catastrophic events for anyone with a stake in that pot. Through this method, the healthy are going to carry the burden of the unhealthy. What makes it worthwhile to put money into this pot is no one knows when anything would happen to shift a person from healthy to unhealthy. Step off the curb at the wrong moment...and live? You are now unhealthy and drawing from the pot. Run over someone who legally stepped into the way of your vehicle at just the wrong moment...and lived? He is now drawing from your share of the pot. Perfectly healthy person finds out the hard way he has a genetic heart condition that won't immediately kill him... he draws from the pot until something does. The big thing with why Insurance Companies are restructuring their plans to fit with ACA guidelines and forcing Policy holders into more expensive plans is so they can grow the pot to cover the influx of potential unhealthies while they minimize the dip in their profit pool.
Of course, I can see why you'd be upset about being forced into participating in the pot. If you've got a good bit of health, you probably don't want to support anyone who's not as lucky or as disciplined as you. But, if you turn out to be not as lucky as you thought you were and wind up having to pay $50,000 - $500,000 for a single stay in a hospital for surgery, or a broken leg, or losing traction in a snow storm and slamming broadside into a tree, breaking a leg as it gets smashed in the door, or any other event... I don't want to hear one iota about how far in debt you are. It can be something very trivial, fleeting, and unexpected that could leave any one of us in the hole for millions and destitute in a wheelchair...or worse, regardless of how much was saved for a rainy day. I've personally seen someone who had planned ahead, saved up enough to cover 6 years worth of expenses, wind up developing a disabling condition that halted his ability to make his living. He went through an 8 year fight trying to get his Social Security Disability started (which he paid into for 30 years and was entitled to). By that time, he had gone through his savings, foreclosure, and all his investments. I wish that upon no one, for there are injuries and illness where death would be a kinder fate.
IMHO, Insurance companies should really be run Not-For-Profit. In this way, they can charge enough on policies to cover the costs for everyone in the organization with reasonable salaries and the rest of the policy goes into the pot, with maybe a portion going into a stable Money Market account for growth that will feed back into the pot