You gave reasons for the mandatory items listed. Which are correct. You missed the point tho, the government forces you to do things that benefit the popluation as a whole. Thats the job of governemnt.
Forced auto insurance is similar to forced health care insurance. Uninsured motorists are a drain on the responsisble people who get insurance for accidents, medical costs etc.
Now, healthcare, why force people to have health insurance? Because uninsured people end up going to emergency care and cost the insured people more by gettting expensive care without paying for it. Thats why this bill removes the exclusions for pre-existing conditions, cap limits, etc.
Now if everybody is paying healthcare premiums then healthcare premium's should actually go down. Emergency rooms being flooded should go down since they can access regular doctors.
Personally, I would have not added the kids till 26 option. Make them buy insurance on their own. Factor a minimum earnings that they can afford insurance and subsize the people below that mark. A healthy 22 year old should not have to pay alot for coverage. Most are pretty damn healthy. Then they have coverage if hit by a runaway piano or something.
This is all my opinion of course, but the democrats agree with me and most other countries in the nato aliance.