Need help explaining the health care law

[chowder66]

15. My take (this is general and broad - so go lightly)

The penalty is like it’s own insurance, by pitching in via requirement…. it helps keep society more healthy and thus keeps healthcare expenses down overall.
So when a person who chooses the penalty over the actual insurance they are a) actually paying for insurance to a lesser degree - if they get sick there will be a pool to draw from financially that will not alter the current insurance subscribers premiums….and b) helping to keep the costs down so when they do decided to choose to purchase a plan - it is more affordable because they contributed to it.
If for some incredible reason they never need to see a doctor for anything in their lifetime then they will have paid into the system to help their family members, descendents, friends, neighbors, etc because they contributed to something that benefits society for a good reason. Health and well being.

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When efficiency is in place, technology is utilized and everything is streamlined the steps to move to universal or national health care are much much shorter and the benefits will reach the majority who will support to move this direction and it will be massive. It is possible that we can attain this sooner rather than later. Especially since many of the mechanisms that need to be in place are going to or are being put in place right now.

http://www.who.int/health_financing/pb_1.pdf