Can you explain what you mean by pulling the wagon beyond their actuary resposibilities".   What is your fine if you chose not to  buy insurance.  

At 22 I started making payments for my concern companies insurance.   My health cost were low but I was aware my share would be distributed to those who needed it.    Later my wife fought cancer for two years.    I'm sure our medical bills exceed what I had paid out to that date).    

Your life experience may be different, you may have a serious illness/injury early in life.  Distributed risk works for unforseable events.  (With the help from actuaries of course)

Since I worked for the same company for 36 years  I thought it was a fair.   Insurance was required from Day 1 and I paid my share.