My opinion, no group under 150 lives should self-insure. Gambling with your health and your financial security at the same time is unsound.
As for your second point, the new statewide plan in Maine is being a test bed to insure all working people and their families in the state with some form of coverage. Solving that problem is above my pay grade so to speak.
I agree that nobody should go without health insurance. But I think it's a crime that they have to pay twice as much as the rest of us if they do.