Insurance is to protect against calamities, not for run-of-the-mill use. Otherwise it's nothing but a pre-paid plan! Obamacare is NOT insurance, it is merely a welfare wealth transfer. To call it "insurance" is a deliberate twisting of the word.

Now, we can (and should) talk about care for the needy, but that is not insurance. To call it that is to be a) a total ignoramus or b) utterly dishonest.