By forcing them to buy a product for others.
I bet this is going to be interesting, and wrong.
I was wrong, it wasn't interesting at all.
The way insurance works is you pay another person a fee to assume the risk of you getting sick. If you remain healthy, they collect, if you don't, you do. Fee for services is not insurance, it is a phone bill.
how does insurance work again? how are they not already paying for others product?
learn how insurance actually works.
lets say you you have a heart attack and the cost of the open heart surgery to fix you is $250,000. do you actually pay $250,000? no, you pay your premium for access to that service at a fixed rate. the money that is needed to cover that procedure which you have not paid into the system is covered how??? by other peoples premiums who are not using services!!!!!!!! hence you pay for other peoples services every single day. if you can not understand this simple premise of how all insurance works, youre dumber than a bag of rocks.
This is even more hilarious, now you want to tell me how insurance works.
If you buy liability insurance for your car, and your car gets stolen, it is not covered, because you decided to accept the risk yourself, which means you are out the entire cost to replace the care. Try buying insurance for oil changes sometime, and see how much it would cost you. The reason insurance costs are going up is idiots like you think it is supposed to cover things it isn't.
Health insurance works the same way, you pay someone else to assume the risk of you getting a heart attack. That is not a fee for service type thing, fee for service is how insurance companies pay doctors. There are actually health plans that work the way you describe. They work by people who agree to pay a fixed monthly rate, but their rate is payed directly to people who need it. I am pretty sure Obamacare made those illegal, since they do not cover routine expenses.