You also can opt out of medical care provided by our society - move to Somalia where there isn't a pesky government to protect the abuse of the commons.

Auto insurance is based on the notion that The Society has a right to protect itself from abuse of the commons.

We have a broad enough healthcare system that "the commons" now extends not only to catastrophic care, but things like the need for "herd immunity" protection against H1N1, MRSA, XDR Tuberculosis etc.

You aren't allowed to abuse the commons. Society has the right to protect against that.