For those who don't want to be a party to this BS I give you this option - claim that you are Christian Scientist. This religion does not believe in modern methods of medicine and are exempt from this law. They won't f*ck with religion.
This option is offered to those who live healthy and responsible lives and who always prepare on their own for a rainy day and not those who want to game the system but who are also tired of paying for the actions of stupid and irresponsible people.
These insurance companies have done it again, fashioning it as a loss for them, they have now another scam like they do with car insurance, they will have a client base that is guaranteed to have to buy their product and they will still pull the same crap nickle and diming people like they always have. I have driven for decades and never had an accident. thousands of dollars flushed down the toliet for insurance the whole time - this is where it stops -I am Christian Scientist -kiss my ass you bastards in the insurance industry and the government and courts.