Health care is on the gripping hand. It's very, very expensive... but that expense is driven by a relatively small number of people.
Sure; But they are not grifters, freeloaders, or theives - they are lottery losers.
Nobody chooses to be one of the expensive few; Nobody plans yo be; Nobody expects to be, until suddenly they are.
So in fact, healthcare benefits everyone.
If you are very lucky, you will not need it; But if your number does come up, it's there for you - and what you pay for is NOT your own expensive care (you couldn't afford it); What you pay for is the assurance that care will be available, IF you need it.
Which is always the case with insurance.
Also always the case with insurance is that the larger the pool, the better.
And in the case of medical insurance, opting out, and then having your unlucky number come up, is NOT a problem for you alone. Even in the unlikely event that you want to refuse care, others are harmed by your refusal. Whether because you are spreading your untreated infection, or because they need to clean up your vomit or blood, or just because they care about your plight.
It's not immoral to require people to pay taxes that they don't want to pay, if those taxes prevent them from (non-financially) imposing on their neighbours, friends, or family.
The idea that by opting out of health insurance, a person harms nobody but himself, is fallacious.
Mandatory health insurance for citizens, like mandatory third party insurance for motorists, is morally and ethically fine, even if we accelt tbe highly dubious premise that taxes are a transfer of
property from an individual to the state. Money isn't property, and the issuer that money taking (some of) it from people is not theft.
If a referee disallows a touchdown, he isn't
stealing the penalised team's points. Points in the game are not property. Nor is money.