Well for one thing, it's a life or death industry & I agree with Helix that it shouldn't be for profit. Second, the Indiviual Mandate is designed to require those who feel invincible to join the pool. Thereby raising the number of healthy folks, less likely to make a claim, giving the insurer more $$$$ to carry those with pre-existing conditions & those who become sick while insured.
Another interesting fact is that unless the Koch Bros. SCOTUS overturns the mandate, the companies will be required to give rebates to thier custoers. The reason is that they made a profit exceding the 20% allowed for opperating & profit.