Insurance is another form of gambling.
You pay high premiums now for better coverage and spend less out of pocket later "when" something happens; or pay low premiums now for less coverage and spend more out of pocket if something happens. Insurance bought today usually is approved and effective within a week or two. Not too many survive the elevator falling because they jump just before it hits bottom. Obamacare will likely hold tax returns hostage or even payroll tax withholding or tax liens to get those who try and escape mandatory healthcare.