I am my brother's keeper, not the Federal Gov't.

You may not choose to become ill, but if you buy insurance BEFORE you fall ill, you're covered by an insurance plan. If you get sick, then apply for "insurance" to cover your illness, you really didn't buy insurance, but applied for and got welfare. It is another dependency tool utilized by the Gov't to keep you under their thumb. This is simply wealth transfer.

You stated, "to the best extent possible have the means", do you mean availing oneself of what someone else paid for? I would call that "theft". You may equate it with charity, but when one is coerced to give up a greater portion of his hard earned remuneration, it's not charity because it was not given freely.