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You pose a good argument, but I believe that what your proposing would not be possible. There would be regulations in place.
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Yes, it is possible to get around this by making the purchase of health insurance mandatory for everyone. This is what they did in Mass. However, unless I missed it, I don't recall seeing anything about mandatory coverage in the Dem plans. This just goes to show how things need to slow down a bit and go about health care reform with more thought. Instead, Obama is pushing them to meet unrealistic deadlines and the result will be chaos. Thank goodness for the Blue Dogs who are throwing some impedance into the process. It would also be nice if Pelosi and Reid gave the Republicans a seat at the table to get their input.