You can choose to buy a car, or not. You can choose to open a business, or not. So those insurances are optional and depend upon what the individual wants. No one can choose to never become ill or suffer trauma. These are random and health insurance mitigates the financial repercussions. Until we grow up as a society and adopt single payer and realize we are in fact our brothers' keepers we need government intervention in the health insurance marketplace to ensure that all our people to the best extent possible have the means to save their own and their loved ones lives.