Sorry, I may have mis-phrased this, I've edited my original comment. The problem is those pooling their resources into insurance companies are subsidizing those

Sorry, I may have mis-phrased this, I've edited my original comment. The problem is those pooling their resources into insurance companies are subsidizing those who are NOT. This is what the insurance mandate of the Affordable Care Act is trying to fix, we have yet to see if this will work or not. Ultimately, the simplest solution to the resource pooling problem is to eliminate the insurance industry and go single-payer, then EVERYONE pays with their taxes. However, many insurance companies are for-profit and they'll keep fighting against single-payer until they go out of business.