[mgkimsal]

> you have to buy a plan that covers things you don't need.

Well... isn't that sort of the point of insurance all together? There's always going to be someone in an insurance plan getting some treatment that I'll never need, no?

[PKop]

Can never need under any circumstances (prenatal care, for example).

[hueving]

No, it's not that the insurance money is going into a pool to pay for someone else getting that. It's that they are forcing you to buy coverage for something that you can't possibly use (e.g. child dental care for someone with no children).