Big insurance defines the policies and people choose whether to buy or not. That's not my idea. That's just how it works. Your second sentence restates my point: people that don't buy insurance ultimately cost more to the public as emergency cases. They are moochers getting medical treatment at our expense, mate.
Before Obamacare, people decided what kind of coverage they wanted in the individual market. Now, the government has made that decision for every one of them.
I don't consider them moochers, unless they don't work and don't pay taxes. Is that the case with uninsured people who get ER treatment?