It's less that you're subsidizing others and more that a) you aren't yourself being subsidized, and b) you've (in a sense) opted-out of an economy of scale. Th

It's less that you're subsidizing others and more that a) you aren't yourself being subsidized, and b) you've (in a sense) opted-out of an economy of scale. Though if you're reasonably young and healthy you are in fact subsidizing others, but not because you're self-employed.