The question already has some "spin" built in. Does the government MAKE you have automobile insurance? The problem with being able to opt out of health insurance is that healthy young people will wait until this "need" it. This "adverse selection" process means only at-risk people will pay the premium to get health insurance, which will make the premiums high. The whole idea of insurance is to spread the risk. So yes, I think everyone, healthy and sick, should be part of the same insurance pool.View Thread