If you are healthy, your premiums and deductibles could far exceed the amount of care you actually receive. That excess pays the freight of others that use alot of service. Some receive service far in excess of their premium and deductible. Hence, they are being carried by the more healthy policyholder.
If your insurance carrier does not differentiate between the premiums paid by the lean and the obese, the lean probably pay more than they receive in benefits.
If smokers use more health care than non-smokers and the carrier does not differentiate between the two in the amount paid in premiums, the non-smoker will pay the freight of the smoker.
If you have never had a claim on your car insurance, you are paying the freight for some lead-footed kid who has been in loads of accidents.
There is a difference between entering into these insurance transactions voluntarily and having the guvmint picking up the tab and forcing it down the throats of the taxpayer.