How do you force people who could pay for insurance but haven't to purchase a policy? Do you arrest them if they choose not to purchase? Do you withhold care? Unless service is completely free, people who won't buy insurance now won't buy it after the government takes over unless some serious penalty is involved. If you are one who believes that your budget won't handle a premium payment now, why would you believe that your budget would be able to handle a premium payment after the government gets involved?