Gee, tell that to soldiers and civil servants like air traffic controllers and employees like garbage men who have been forced to work or lose their jobs and/or face charges. 

And your analysis based your analogy re pre-existing conditions is fatally flawed. You pay auto insurance based upon the value of your car, your driving history, age, the histories of other similarly situated persons and other factors . In other words, your pre-existing conditions.  How does that differ from health insurance that covers pre-existing conditions?