What you are saying makes sense IN THEORY. however in practice in the US most people have the shittiest insurance, at the highest cost. A chunk of america doesn't have insurance and we all pay a lot extra for their problems, and a friend of mine is in the chunk who is taking medication he is alergic to, because the stuff he isn't he can't afford, and finally we have the wealthy who have the best healthcare in the world.

Insurance for an optional thing makes sense: You don't _have_ to drive (okay, I'm in NYC), but you can, and you need insurance if you do. And mainly its to cover damage _you_ do to others.

For health insurance. Everyone in the world will need healthcare. Period. The only exception is if you're super healthy and then get your head suddenly cut off and are dead instantly. Other than this one case, you will need health care. The problem is that in america, breaking your arm, or getting alcohol poisoning may bankrupt you. And as any doctor will tell you: An ounce of prevention is worth 2 in cure. Let people get treated before things get bad, and they can stay productive members of society. As John Oliver said "the national anthem should be people holding out their medical bills and complaining in unison, because it is the only experience that ever single american has in common"