I do not regret paying for health insurance, or car insurance for that matter. It would actually be cheaper for me to pay the penalty and not have coverage, however i still have it because it is what I consider a good investment, even at the increased rates. I will say I am a little bitter, since I actually worked at a health insurance company that worked to reduce health care costs instead of just upped the premiums when costs rose, I see how the health industry triad is just making it worse. The ACA on top of that has made it so that the free market will not be able to correct itself and effectively ruined capitalism from working for the health industry.

ACA had good intentions, just very poor execution.