If they're not forced to do this, then they won't and people are forced to stand by and watch as they fall ill and due which is bad for the economy and may already disease, even if you don't care about the moral aspects.

There's little benefit to seperating these things out and obvious downsides to them not being mandated.

And yet each year there are millions of people that receive medical services in excess of their insurance payments (including premiums, copays, etc).

So what was your point?

Anyway, I'm pretty sure they were saying that insurance didn't work, which is manifestly untrue. If they are complaining that it makes healthcare more expensive, well fine, but that is probably more about the principal agent problem than the administrative costs and profits of insurers.