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I explained my point below. Politicians lie - like when every GOPer in the past 40 years tells us tax cuts are offset by the magic of supply side and if not pay for themselves, nearly so. But when the Democrats protected people for pre-existing conditions, they legislated the part people hated, the mandates and minimum coverage. The GOP tells us those aren't necessary.
Right, but that just means that pre-existing conditions are no longer covered and the sick or previously sick are a job loss from forever screwed. Besides, that was essentially the rule pre-ACA, and for lots of reasons, people lose insurance, like, say, a Great Recession that caused roughly 9 million in job losses, many of the new jobs part time without benefits. So it's pretend - the GOP say the words but then throw the cancer survivors to the wolves.
Besides, obviously the 'drop off the rolls' penalty - you're f'ed forever - is a mandate by another name. And once you pass 90 days, even if a cancer survivor WANTS to do the right thing, they cannot because no insurer will touch them. So your preference only works for those families who suffer no real financial hardship and medical problem, ever, over a lifetime - their only hope is they get a job with benefits, which are decreasing every year.
Edit to add - your preferred plan also requires pretty substantial minimum standards, or else the young get a mini-me plan that's cheap as dirt, then when they get sick, switch over to a full blown insurance policy that actually COVERS stuff. If that's allowed, you pool all the sick in those good plans, and the healthy and young in catastrophic or worthless 'insurance' that doesn't cover cancer or heart disease or hospitalization, and premiums for real insurance spiral upwards, and more drop,etc.
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