After working in healthcare for the last 15 years (clerical) and billing insurance I have found that many policies that came out around the time were minimalist coverage so you didn't have to pay taxes at the end of the year. Many people take advantage of this or are uninformed the policy is intentionally bogus to circumvent the system and expect their "insurance" to cover things. I also find it difficult to support because the problem is that insurance was just too expensive and the solution was to force people to buy it. This is what happens when you ask the government to control something that is fundamentally broken and replace it with something that is equally as bad. Good Idea on paper, poorly executed delivery.