I think that you didn't understand that Jake doesn't care (emphasis mine):

I have a question? What about the 15 million who choose not to be insured? Many are young and healthy and feel their money is better spent elsewhere. What about the millions who carry only catastrophic care for the same reason? Why should they be forced to subsidize the old and/or unhealthy?

>Because at the same time you guys would be contributing to the care of my family that includes several people with long-term medical conditions. And we'd all be contributing to the care of people with really devastating conditions. The larger the pool, the easier it is to spread the risk and keep the overall cost down.