What a Silly Dummie. Point by point:
1. Allows my daughter to stay on our insurance until she has a job with great insurance of her own
(also my nephew that is staying with us can stay on my sister's insurance as well)
And what business in its right mind is going to exist to give your precious daughter her job with "great insurance" in the first place? This
mandate tax will ensure that more businesses will go down due to inability to pay premiums for employees' health care, ensuring your precious spawn will be on the dole in your basement for a long time.
2. Ensures that my insurance company can not dump me when I have "maxed" coverage which I probably will in the next 5 years
Of course, they can just raise your rates. If they are forced not to raise rates, they go belly-up, you go the the US Gubmint Obamacare facility who gives you a nine-month wait slip for a headache pill.
3. My husband is not locked into a job should he be offered a better position because of insurance
Of course, you are assuming that A) Hubby gets more pay with better position, and B) that the business is not priced out of coverage in the first place, which brings up point 2.
Yep, Dummies... Economics 101 is not your strong point. Duh.