You have to buy car insurance in most states if you have a car. You have health now so you should be required to buy this insurance as well. Everyone needs health insurance whether they think they do or not. Its also about chipping in for the rest of society and if you aren't willing to do that, you should be penalized via taxes. Just like if you cause a car accident without insurance, you get your wages attached if you can't pay out of pocket for the repair costs and medical bills you incurred.