It it were a free market, couldn’t the young immortals choose to drop corporate supplied health insurance and have the company increase their pay by the amount saved on the company paid premiums? Oh, wait - that would cause a ‘death spiral’ where only the sick take out insurance. As a result, it is banned - corporate health insurance, oddly enough is mandated…
Of course, then that money (spent on salary instead of health insurance) would be taxed as income - or would that just be a penalty for not having insurance???
The current system of employer provided health insurance started as an end run around WWII wage controls and has since been enshrined by congress and the IRS as tax benefits to both the corporation and the employee.
It seems that you oppose the entire concept of insurance, then. The idea is to pool resources and thereby pool risks. Those risks, of course, are affected by choices or by plain bad luck (which is really another kind of choice, anyway).
If your value is system is such that “I got mine and to hell with you – unless I choose to lavish my largesse on you”, then we probably don’t have much in common. That’s not a life that I choose to live.
It seems to me entirely reasonable that, living in a civilized society, each of us can contribute a portion of our wealth to insure the well-being of everyone. The rest of the modern world does it. It’s time for us to step forward and care for our fellow citizens. It’s cheaper. It’s more effective. It’s the right thing to do.