Under the affordable care act the individual mandate

The individual mandate guarantees that insurance companies would not be altering their rates based on the current health of those who apply for insurance. Without this mandate, insurance companies raised rates for unhealthy people because there was a lack of healthy people paying for their own insurance so it would lead to only harming those who are sick.

from the conditions of the working class in england by friedrich engels,the main idea is :

manchester's leaders hoped to oppress its working class to benefit factory owners.