Elimination of pre-existing condition exclusions, and restrictions on which factors can be used to set pricing for policies—both wildly popular—create a free rider problem.
Well, right, because most other advanced-economy states require you to carry insurance (more-or-less the solution we were going for, before the penalty for failing to have insurance was eliminated) or cover everyone under a government-provided healthcare scheme of one sort or another.
If your point is just that the US healthcare system is far more-broken than most, and in some unique ways, all for no good reason—sure, yeah, of course that's true.
