Condescend all you want, but mandatory insurance produces higher premiums and lower payouts regardless of how well it is regulated. In fact, regulation only increases administrative regulatory costs instead of reducing premiums. However, you missed a subtle point. Most of the newly insured will lose money on this even if they get sick and will receive insurance payments to cover some of their medical costs. Insurance companies are now in the business of delaying treatment. Approvals, medical justifications, reviews, etc... it's all there to stretch the time between doctors' ordering procedures and patients getting the treatment. It lowers the treatment received per unit of time. And it's gotten significantly worse since Obama Care was passed. You can't possibly think that calling a mandate to buy something that lowers the quality of medical care and increases costs can be justifiably called "help."