But if you remove all the patients who need medical care and only leave the insurance companies with the young and healthy who do not need any care, then why let the insurance companies have all that profit?
The whole point of insurance is supposed to be to pool risks so that the health help pay for the care needed by the few injured or sick. If the insurance does not do that, then it is worthless. The healthy do not need health care or insurance. It is only the sick or injured who do.
Just because one is unlikely to need healthcare doesn't mean they never will. Accidents, illness, diseases can happen to anybody. But the risk of that in a healthy pool is much, much less than insuring everybody.
Insurance companies base their premium on what they pay out compared to what they bring in. If they bring in more, and payout less, then they lower their rates to compete with other companies.
That would make private insurance affordable, and at the same time, give coverage to those who can't get or afford private insurance. Again, not free, you would still have to purchase a plan, but it would be a mid-way point between what Democrats and Republicans want. And everybody would actually get coverage they could afford.