"Health insurance markets, like all insurance markets, require a mix of healthy and unhealthy participants. You pay for your homeowner's insurance even though your house didn't burn down, and the person whose house did burn gets the payout. You do this in case your house ever catches fire. That is how insurance works."
Comparing health care insurance to home insurance is comparing two different things.  Home insurance does not pay for maintenance and preservation. It covers major events only.  Health care insurance includes well care, doctor's visits, annual checkups and prescriptions.  The ACA does not permit catostrophic care only programs.