Well yeah that's how every insurance works, including private ones. You are put in a pool together with others who may be more or less costly than you on averag

Well yeah that's how every insurance works, including private ones. You are put in a pool together with others who may be more or less costly than you on average. Not just insurance either. If you're buying stuff at all you're paying a premium for stuff you're often not using, eg customer support, return policies, marketing etc. One you accept that you never have identical cost/benefit with others, we're just talking what level is acceptable, and what services should be covered. People seem fine with paying for fire departments, even though some people live in wooden houses and have candles at night. Healthcare has a similarly low fraud incentive, and is generally not something we "invest" in. Most of the world has recognized that and arrange it through a publicly funded system.