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I'm not sure what you are implying. An individual can pay for insurance or not. They are free to choose. Or they can pay for the entire cost upfront when problems arise.
Exactly!
So I pay my taxes for decades, and you don't?
Just going to the doctor for the first time at say 30 (imagining you started working at 20 but "decide" to not pay taxes) would cost you houndred of thousands of missed back pays before you get let into the building.
Is that your libertarian thing? Or do you think you just would never go to the doctor/hospital/dentist/need an ambulance ride, ... ?
Or worse, you get it basically free?