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Their sweet spot is people paying for it and never using it.
All Obamacare really did, is kick the van down the road by penalizing people for making the choice not to have insurance
That was a bandaid and as it gets worse people will decide the penalty is still better. If the penalty goes away, a shit ton of people's math would change at once and it would crash the entire industry.
If it still doesn't make sense, I don't think I can explain it any simpler.
The penalty has already gone away. Trump suspended it in his first term and Biden did not restore it. The law is still there but it's not enforced.
Lots of Americans should self insure. Spending 1200 dollars a month only to have to spend 5000 dollars before copays and then getting a 50% discount is a stupid amount of money for a trivial benefit. You might as well put that 1200 dollars into a savings account and then at least you have 3-30k depending on how long you go before needing care.