You apparently don't understand how insurance works. A pool of individuals creates and "average" for occurence of illness, basic health, age risk, etc. This pool then represents an average cost to maintain in medical costs. Some pay more in premiums than they would have out of pocket because they are healthy, others don't because they're not. Yet all are covered. This only works if there are sufficient numbers across all risk catagories of course. Yet your argument sounds a bit like the worn one from those that resent paying their tax rates to support public schools since their kids no longer attend or perhaps never had any at all. Perhaps though, living in in a country with universal coverage and where there's a notion of universal social oblegation, I don't get it. It may well be that in the US that the majority takes survival of the fittest as a reasonable organizing principal, and universal medial coverage as only the first step towards state socialism.