Fair enough. Either your perspective or mine ends up in the same place. In other words, insurance is predicated on risk. If there's no risk to me, I won't buy insurance. If there's no risk to the insurance company, they don't charge me a premium. If I know that I am high-risk, but try to get low-risk premiums, I am gaming the system. If the insurance company charges a low-risk patient a high-risk premium, they are likewise gaming the system. Both of which the market will iron out in the long haul.
Forcing healthy people to purchase a policy and pay a monthly premium to transfer their minimal risk to someone else. The only way for a universal coverage to work is to force healthy people to participate.
On the other side of the coin, this proposal-
In order to prevent adverse selection spirals, the exchanges would also do risk-adjustments by transferring some of the premium revenue from insurers that had enrolled more good risks to those who enrolled more poor risks tells the insurance companies that we're going to make you subsidize customers that have already decided you don't want to cover.
This plan is a lose lose for both responsible businesses and consumers.