Let's say that by good fortune and care you have never had an auto accident. Should you then be excused from buying insurance on your car? If that were allowed for every accident-free driver, then insurance would rise for everyone else, leading to soaring insurance costs and an increase in people illegally foregoing auto insurance, thereby increasing the cost again. That's called a feedback loop, or as Paul Krugman calls it, a "death spiral".

Though you are healthy now, that won't always be the case. In fact, something like 75% of your lifetime medical costs, at least, occur in the last two years of your life. By paying while you are healthy, you subsidize those in declining health now, with the expectation that when your decline comes you will receive medical care. That's called Insurance 101. I'm surprised you aren't familiar with the concept. But the fact is, a whole lot of healthy people refuse to pay for insurance; then when the decline hits they want care. Is that right?