If you use insurance of *any kind* you are being subsidized by other premium payers. 

People should especially remember that when their insurance covers accidents that require hundreds-of-thousands of dollars to save their lives, and if their lucky restore them to functioning health again. People should remember that when unhappily suffering a life-threatening disease that requires very expensive treatments to save them. When we create catastrophic medical bills that are largely covered by insurance, we have been subsidized by those who didn't suffer the same sort of disasters, *yet*. 

Everyone will suffer a catastrophic accident or illness eventually, and we all need to remember that sad fact. Except for the very wealthy, if we want to survive, or we want a loved one to survive, we will need to be subsidized or we will be denied.