Life: Because if you die without life insurance you only shortchange your family – not society.
Home: Because if your house is destroyed you only shortchange yourself (and the Red Cross donor).
Renter: Because if your apartment is robbed, only you are out for the value of the items lost.
Health: Because if you get sick you are taken care of without question. If a bomb goes off and you happen to be standing in front of it, society will pay for your surgery and recovery for as long as it takes. If you are a junkie and OD you will be treated in the emergency room you will still be cared for. Society, i.e. the taxpayers – are forced to pay for you. That is why you need insurance.
If you expect other sto pay for you in times of emergency, you need to help pay for others.
IMO you should have the right to not pay into the system, but you must sign a waiver stating that you will refuse treatment if you are sick or injured or will accept treatment that costs only up to a set amount – typically the value of your liquid assets.
You agree to be kicked out of the hospital, fixed or not, when the money runs out so people who have paid into the system can take that bed. Deal?