All Californians who own vehicles must have them insured. That's the law. If someone has a bad driving record -- speeding tickets, at-fault accidents, DUIs, etc. -- they will have to pay much more for insurance (sometimes as high as triple the average), get less attractive coverage, and find out that many agents won't touch them. But because their driving record is their own doing, it's only fair that they be made to pay for their own mistakes.
But when it comes to health care, are people with medical preconditions at fault because they came down with cancer or other serious illnesses?
Up to now, insurance companies have been allowed to charge them much higher prices, limit their benefits if they do get sick again, or exclude them from coverage altogether. The Affordable Care Act changes all that. Besides doing some other good things, this law does not allow insurance companies to exclude you or me because of medical preconditions.
Just like the cases of Social Security and Medicare, time will prove this law will benefit most Americans.