Health insurance is optional. My parents never had health insurance and were always able to pay for medical expenses, even with six kids. I also don't have health insurance and so far I've also had no problems paying for medical care. I don't know where the idea that health insurance is a necessity comes from, but it's not based on fact.
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.
It is and there is no tax on people who don't have road crossing insurance. It's a risk that you can choose to take. If you choose to not have medical insurance and you can't pay for medical care then you might die, but it should be up to you choose if the risk is acceptable or not.
That's not the argument you previously made. You said "it's fine not to have health insurance because I didn't have health insurance and I'm still ok". That's a severe failure of logic. Anecdotal reasoning when looking at something like health insurance is pretty silly.
Unless you're the kind of person whose plan to get rich is to play the lottery, you need health insurance. At some point, in your life, it is quite likely that you will get very sick, or have a serious accident, or have some sort of mishap that suddenly smacks you with a multi-tens-of-thousands-of-dollars-or-more medical bill. At that point, if you don't either a) have health insurance or b) have lots of money, you're basically fucked.
If you pay the insurance all your life and you never actually get to use it, you should count yourself lucky. Health insurance if the kind of thing you pay every month and fervently hope that you never actually need. But if you do need it, having (good, not the american "we'll drop you if you get too expensive" type) health insurance is quite literally a life-saver.
Finally, if you declare bankruptcy because you can't afford your medical bills (and huge medical bills can happen to anyone), society is paying for your treatment anyway, indirectly. Therefore, it is reasonable to mandate that everyone must have health insurance.
