So fix it.
In the interm, people are dying and lives are being ruined. That is a fact of life. Should we be unconcerned about their plight? Ought we not to be willing to make some sacrifice for others? We never know when we may have to walk in those shoes. There, but for the grace of God, go I.
If you're willing to sacrifice, why are you complaining about the premiums you're paying being applied to the non-payers we already have?