Got that. My point is that kes166's desire to not pay for health insurance is more like the person who wants to drive and not pay for liability coverage than it is like the person who doesn't want to pay liability, and so doesn't drive.
I think you are misunderstanding my point. If I wasn't able to afford auto insurance, I wouldn't use a car. Auto insurance, however, is rather important as it takes me an hour to drive to work which puts auto insurance high on my list of priorities.
I haven't been sick for awhile, however I have 2 kids. My kids are insured through Chip which takes the burden off me to need to have insurance. If I had insurance it would make it easier for me to find a dentist for my kids, but as it is, the way things are working out for me now is adequate, so I have no need for health insurance for myself. My wife occasional gets sick, but it's usually not bad. If there's anything that requires a doctor, there's a clinic rather close to my house where I can go for $50 and get medicine for that price in addition to seeing a doctor. I'm also a vet, so if I break a leg or something, I can drive down to the VA hospital in the next city and get treated for free. My only concern would be my wife having a serious illness.
I'm not saying I don't agree health insurance is useful, and when I get a raise I may very well opt to get it. Of course, getting a raise is a whole other can of worms. What I have a problem with is someone coming to me saying I need to buy something when I know I can't afford it. I can buy health insurance or I can buy oil to heat my house for the winter.
You can't opt out of getting sick - it happens to everyone. You can't opt out of accidents or disease. As it turns out, these individual misfortunes, when aggregated, are very expensive to society. On that logic, kes166's decision to go uninsured is a free rider problem, not simply a question of individual liberty versus an irrational totalitarian state. Just like the driver who thinks he won't have an accident - some number of them will, and they cost society a lot more in the aggregate than they save.
Having a car accident and getting sick aren't even close to being the same. A car accident can cost thousands of dollars. Getting the Flu, at least in my case, costs $50 dollars, which I pay, or free if I go to the VA, which taxes pay :)