Let’s define insurance and health care vs medical care.
Health care is what you do in the moments of your life to assure good health. It is action toward good health or away from it. If one ingests smoke like a chimney, black soot will collect in the lungs. Not a wise health care decision.
Medical care, on the other hand, is what you receive when you go to the doctor. I am in charge of my own health care but my doctor helps with decisions regarding my medical care.
Insurance hedges my bets against disease. The purpose of insurance is to cushion the financial crunch if I find myself in dire straits on the sickness front. An otherwise healthy person who has worked with the finely-tuned body in good stewardship - health care - may want to have insurance to offset costs of ill health. Insurance is an answer to a probable math problem. If my health flies sideways, I have paid into an insurance fund, so to speak, from which I can draw to cover unforeseen expenses. Nothing more. Insurance in America is not a right.
Each person decides if they want to purchase insurance or not. Nearly everyone has some income to spend in ways they deem wise. It's kind of like time in a day: We all have 24 hours, 1440 minutes to use in one way or another. In a similar way, individuals decide how to best use their monies earned. Unlike time, everyone does not have the same income. But they still decide where to spend it. Some decide not to spend their limited dollars on medical insurance. Their choice.
But the Santa Claus politicians who love to give other peoples’ cash away, have proclaimed health insurance "a right." They have said it enough times that the group-think non-thinkers believe it. And there is a long line at Santa’s workshop to receive his goodies. Only trouble, Santa produces not one thing. He just grabs from one and gives to another. His creative production is nil.
Someone wiser than me once said, "If people decide that government's primary role is to give them goodies, it's over." And I would add that if politicians - aka Santa - figure out that the offering of endless 'free' goodies to the folks helps assure their re-election, the corruption of power will replace the virtue of service. When the 'giver' plays to the greedy, we're done. The weight of bureaucratic re-distribution and the costs thereof will bankrupt the nation. Stick a fork in. It's pert-near done.