Had you been less lucky and encountered medical bills that you and your family couldn't afford, everyone else would have to pay higher prices to make up for you

Had you been less lucky and encountered medical bills that you and your family couldn't afford, everyone else would have to pay higher prices to make up for your failure to pay. If you want to live in a society where no one will be left to die because they can't pay, then you're going to have to chip in to make that happen. That requires insurance for large medical expenses so no one else has to pick up the tab for you.