Buying insurance is a decision to pool your individual risk with others and share the costs of that risk. Any individual can choose to maintain their own risk. Earlier today I heard a woman on the radio describe how she was uninsured but working and needed an expensive medical procedure. She said the hospital was happy to set up an affordable payment plan to pay off the bill. I've heard similar statements from hospital administrators. She didn't sound like a freeloader.
And I'm sure she's good for it
another liberal who trusts government to dictate central policy better than individual rational actors in the marketplace.