To me, that is reason enough to refute the anti-mandate crowd. Anyone who claims they wouldn't buy health insurance if it wasn't provided by their employers, even if they could afford it, is an idiot. You've got a one in ten chance of running into medical bills approximately equal to median annual personal income. While that is slightly better than Russian Roulette, it isn't a game I'd want to play (but then I have a decent amount to lose, compared to really cheap insurance). The health care law provides subsidies to people who don't get health insurance through work, and can't afford premiums themselves. The costs are minimized by requiring everyone to have insurance (the horrors of actually being personally responsible). Is that the most efficient system? No, single-payer would be much more efficient. Is it better than the system we have today? Hell yes it is. The people highlighted in the chart aren't choosing to be so expensive generally, they just have some bad luck or bad genes. You never know whether you might be one of those people until it's too late.
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