But you are already paying for the lifestyle decisions of others, just in separate pools. The very definition of insurance states that you collectively pay for

But you are already paying for the lifestyle decisions of others, just in separate pools. The very definition of insurance states that you collectively pay for everyone in the same group. As I understand it, healthcare in the US isn't voluntary, thanks to the ACA, where the onus is on citizens to have a third-party product covering them at all times. If you choose not to, but could afford it, you are fined for not doing so. Socialized medicine just amalgamates the disjoint pools of policy holders, and allows the state to manage aspects of care (i.e. avoid the hyper-inflated per-person costs in the US). I really don't understand your argument, you are never paying for solely your own healthcare in the US system, unless you forego cover completely and accept fines from the govt for doing so.