In my opinion, this idea that someone may only need "catastrophic" insurance because they "work hard to stay healthy" seldom works out without costing everyone

In my opinion, this idea that someone may only need "catastrophic" insurance because they "work hard to stay healthy" seldom works out without costing everyone a lot of money. Often these plans don't cover enough, and people end up with no real insurance at all. Perhaps a stroke or heart attack would be covered in the immediate sense (ambulance and initial hospital stay) but does it cover physical and occupational therapy? These are the situations the ACA is trying to avoid and it was clear from the beginning that these types of plans (a nominal fee for virtually no care) would not be allowed. Even if plans like this were allowed, we'd be in a situation where the healthy essential chose the equivalent of no insurance for the smallest amount possible. That's nearly the same as not having insurance at all.