People don't bother with insurance because they are generally stupid ( for the lack of the better word ), especially those making lower wages.. but eligible people are not a problem.. when they get admitted hospitals qualify them for medicaid..
A bigger problem are people who make lets say 60k/year and fail to buy even catastrophic coverage. Another problem area is people who get denied insurance for pre-existing conditions.
The bill addresses both of these issues.

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Человек, который почувствовал ветер перемен, должен построить не щит от ветра, а ветряную мельницу