For one issue, but they still have choices. They can still look for a cheaper policy. Tehy can still find a policy that has fewer electives. The only thing that different is that one more service, among hundreds of services, now has to be covered by insuranceWith the mandate that choice was stripped away by law.
they will not get one red cent that they had already paid to the company if they do this. Why? because once they paid it, it was no longer their money. They can't call on it later. they won't get any of it back. They canceled the service, therefore they are no longer paying for the service.If a consumer chooses to cancel coverage and pocket the money, it's still theirs, so again, at the starting point it is the consumer's money.
That last point of yours proves my position correct and yours incorrect. People have no claim to the money in the pool unless they continue to pay for that privilege.