In a real-life situation, my employer only offers “couples” insurance. I would need to buy a separate plan for my child(ren). Now that insurance companies won’t sell “child only” polices, I’d have to buy my own more expensive family plan in order for my child(ren) to have insurance.

No one will buy a $3000 plan for comprehensive insurance for a child who is healthy, not unless it comes as part of an insurance plan for the whole family. They might buy a catastrophic insurance plan for a few hundred dollars for use just in case the child gets sick, but that kind of plan won’t exist any longer under ObamaCare. Now that the mandates for coverage exist for pre-existing conditions, parents no longer need to bother with that, anyway, as they are now in a no-risk position. They can just wait to see if their child gets sick enough to need insurance, and then buy it.

The truth is that most people under 40 do not need the kind of insurance policy mandated by ObamaCare. They would be much better advised to buy catastrophic insurance and pay for their minimal use of the medical system through HSAs. Younger people, like me take one visit to a clinic each year, which cost around $100, for a physical, a far cry from the thousands they will have to pay for ObamaCare exchange policies. They are being used to subsidize older members of the risk pool in order to keep insurers from going bankrupt under the weight of ObamaCare mandates for coverage.