Are people who refuse to buy health insurance freeloaders?

[Brittain33]

If the average cost of a person's health insurance premium yearly is $5,000, and the average ER visit is $1,300, factoring in deductibles, you'd have to go to the emergency room 5+ times a year to break even. You're betting you'll get hurt bad enough to make back the money you're spending. Unless you're at risk for something like cancer or surgery, it just isn't financially smart for some people to buy insurance.

The problem isn't when you have to visit the ER for something minor, but when you get into an accident or you have a heart attack or stroke. It's going to cost you more than a $1,000 to treat that.

Or cancer.

[Brittain33]

But the Medicaid expansion mandate was thrown out by SCOTUS so for that large population Obamacare now offers little.

The latter doesn't follow from the former. Obamacare now "offers little" only in those states that decline the nearly 100% federal funding for Medicaid expansion, declining to something like 90% in a few years. Which some states undoubtedly will reject on principle, but they will be in the minority.