I don't see how you're disagreeing with me. In the situation you describe, you're not breaking the law to change it, you're just breaking the law. Withholding any moral judgement, I think you'd be both selfish and foolish in that instance: selfish because your actions are aimed at your own benefit and foolish because they don't actually benefit you and you know it (you say so right here).
But the case you describe has nothing to do with civil disobedience, and can't ride on the shoulders of Thoreau and Gandhi and King. What you're describing is a simple attempt to evade a law you disagree with, for your own financial benefit.
Now, as it happens, I agree that a single-payer, tax-funded European-style system would be much preferable to the mess that was passed, but since the mess is the law, my choice is to comply or to break the law, and I don't really see that engaging in civil disobedience on this front is going to get what I want, so I obey the law.
You have $150. Someone knocks on your door and says "You MUST have this". Ok, so you take it from him.
"You now owe me $250" says random guy ... What do you do?
It's that simple. I can't afford health insurance. I want it, but I need to set priorities. If self preservation is selfish, then everyone is selfish.