I hope I wasn't too snarky above. I think you're responidng in a reasonable manner. But freedom requaires that there be consequences. This means, in health care, that if people choose not to cover their bases, we must be willing, no matter how badly hurt or injuried they are, to refuse treatment. Without being willing to do this, those who freely choose to be irresponsible will continue to irresponsible.
This is more a about public health than anything else. We have to treat people who are seriously ill or injuried. We presently wait to do so when it is emergent, by law, or take them whenever, as is common, passing all the costs on to all of us who are responsible. this is much like the auto driver who drives without ebing insured, betting he won't have an accident. Largely no problem up and until he wrecks his car.
Freedom, is also the freedom to work as a people to solve problems. Our government is not completely separated from us. We can change our leaders each election cycle.