Think of this like social security. The more people who are exempt from participating the less money there is to pay out. The only way any kind of insurance for will work for everyone is if we all get in the same pool and get the same benefits. Affordable care rates are almost the same cost as the state or federal governments pay per employee yet they have higher deductibles and higher costs. Put our politicians on affordable care policies and see how fast they fix this. They make too much money to qualify for subsidy I bet.  I am happy for these people to get another extension but it only prolongs the inevitable demise of affordable care for anyone,