I bet there are a lot of great drivers out there who think they have no need for auto insurance, but yet they are forced to buy it anyway.
In any case, I don't think my auto insurance policy will cover me if I need an unexpected appendectomy. That type of common thing would basically break me in my current uninsured state. I will gladly be forced into buying insurance or paying a 2% fine if this worry can be removed.
By the way, I totally agree with your message of personal responsibility for your own health and the savings we would reap by less heart disease and other issues directly related to living healthy. We would spend less on health insurance as a nation if we did more to encourage proper exercise and diet. Alas, we are a junk food nation. Sad...
Still watching CSPAN, some masturbatory debae is going on, but it is academic at this point. It will pass....