Nice try Purg.  Healthy life is what all of us want to share when it comes to health insurance.  It's not the same as choosing to buy a car.  I hate this kind of mindless analogy.  Youthful folks are not immune to accidents, but if they get into one with no insurance, I will get to pay for it and so will hospitals.  It's hubris and gambling all rolled into one self centered package.  I don't choose to want to pay for someone else's bad gambling.