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Everyone knows that the purpose of Individual Mandate was to add healthy risks to the mix of anticipated adverse risks due to the lack of pre-existing conditions. Would ACA have gone down better if more people who had pre-ACA policies had been allowed to KEEP their existing policies?, thereby preserving their CHOICE. I don't understand why those responsible people were FORCED to buy a new policy that was often more expensive, albeit with richer benefits. I still say that consumers should have the right to exclude certain benefits such as maternity, children's dental and mental if they don't want/need them. ACA would have a lot less flak and resistance from voters if they could have chose their own coverage levels.