It's the same with car insurance. In nearly 50 years of driving, I've never had to use my car insurance. I've only had one accident, but that was paid by the other person's insurance. But we still have to pay uninsured motorists fee within the insurance, just in case the other party has not insurance. In most States, insurance is a requirement for a driver's license, but I suspect that does not work.
It's the same as home owner's insurance. I've paid and paid. Well, we had a terrific hail storm which badly damaged my roof, which had to be replaced.
That's what insurance does. It puts the risk on the insurance companies. That risk management becomes costly for them.
Health insurance is much more risky and costly, because pharmaceutical companies pretend that their medicines are expensive due to research. My tax money goes toward giving these companies and universities grants for research. So, we feel that we are paying twice.
The USA Affordable Care Act was supposed to negotiate with pharmaceutical companies and get more people out of "free" emergency rooms among other things. Everyone needs to help pay for this. This caused the Act to demand fines for those not paying for any insurance. This balancing act needs to mature.
I believe in socialism to some extent.
"The best and most beautiful things in the world cannot be seen or even touched ó they must be felt with the heart." ó Helen Keller