Without Obamacare, what is to stop insurance companies from refusing coverage for people with pre-existing conditions? "Affordable" is a relative term, "denied coverage" is not. Without Obamacare, what is to stop insurance companies from capping coverage to people who have an illness? Again, "affordable" is relative, but "dropped from coverage" is not. The individual mandate (which I hate as much as you do, by the way) was the trade off, the give back to the insurance companies who otherwise would have no recourse, or compensation for these new liabilities they were being forced to adopt. People could just go without coverage, wait until they got sick, or injured, then buy insurance that day to pay for it. It is an attempt to limit people gaming the new system. What part of Obamacare (other than the individual mandate) are you so dead set against?