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Unless regulation is so loose they basically don't have to pay a damn thing even when you get sick.
If it gets that bad, then people will simply drop insurance.
Not unless they keep the regulation that ACA established where you need to be covered at a certain level. That way insurance companies can literally just collect money and not actually have to pay for anything.
My insurance tries to get out of everything, but I cannot leave because it's legally mandated that I must buy it.
In the USA at least, the mandate was dropped by Supreme Court decision.