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You don't know that. You have no idea what kind of health issues their families face. And yes, sometimes you are just paying for other people's care, right up until the time that you need it. That is, after all, the point of insurance.

For years, I paid much more out in insurance than I would ever spend that year. Last year, I had a $35,000 surgery. Heck, I spent so much on medical care last year that I had a "luxury colonoscopy" in December, because I knew I'd hit my out-of-pocket cap for the year.

That colonoscopy was $6000, btw. This, for preventative care that could save hundreds of thousands of dollars from colon cancer (and quite possibly my life) down the road. In a well designed system, price controls would put preventative care like colonoscopies below actual cost (and make the money up elsewhere), to save money at the macro level.

I make much more than you and pay more in taxes than you. I'm paying more for national defense, police, roads, etc. I'm subsidizing you. Not a fair system.