I can answer for mandates and other things.

I was working and paying $320/month for the best United Health plan when I collapsed and was brought to the hospital by ambulance. When I woke up 3 days later, minus part of my GI tract, I was told I was 'indigent',

I asked what they meant by that - the hospital contacted the personal dept of my employer and gave me the phone. I was informed that:

1. They dropped my coverage effective the morning I went to the hospital (I had collapsed about 3:30 PM)

2. Since I was now 'disabled' I no longer worked there. I was in the hospital 5 weeks that time.

I have always called it the George Bush Healthcare/Retirment Plan.

The bills were enormous. With mandates - that wouldn't have happened to me or others I know.