That's a short sighted view of things.
I have an insurance option with my employer. It would cost me about three times more than being "uninsured" -- which I am. However, I am a member of a "health share" organization, where the members pay a premium every month (in my case, $500 for a family of 3) for the organization to negotiate down your care prices and then reimburse you your out-of-pocket costs after a 1500 yearly deductible. Sure, it takes a while to get the reimbursement check, and sure, my health share organization can pick and choose what it wants to cover (up front, of course, not ex post facto) free from the mandates of a overburdensome bureaucracy, and in a healthy year, we probably will not even spend our deductible, so I am paying all my health care costs out of pocket, plus $500 a month.
But my work insurance plan would be like 1200 a month for a family of three, plus "co-insurance", up to a 13,500 yearly out of pocket max!
What a fucking rip off!
I'll take being uninsured, thanks. Good thing these health share organizations exist with exemptions from the ACA mandate. I'd be broke!
It is infinitely more beneficial to me to be off ACA mandate insurance. Both for my health costs and my monthly budget.