What are they called when insurance companies do it?
It's the same thing. Difference is, you can choose your insurance company - or choose not to play the insurance game at all. Er... well, you used to be able to. Until the corporatists sold us down the river.
Those that choose not to are what I'd call "freeloaders", because they know when the time comes they will be taken care of.
Those who want to coerce their countrymen into propping the insurance industry are what I'd call, "corporate cocksuckers" or, in less polite terms, "fascist motherfuckers".