If you offer catastrophic insurance again with HSA accounts, something no longer allowed by ObamaCare, then it's going to bring the costs of that type of insurance down significantly.  I take care of myself, I'm young and I have excellent family health history. I'm also male and I'm required to pay for women specific healthcare. That's madness for me to pay $1,100 a month for healthcare I don't need, so someone who wants to make unhealthy life choices, and doesn't want to work, can have access to free healthcare.