Your first two sentences are spot on regarding the Republican Freedom Caucus and some conservatives.
It's Ayn Rand's philosophy: I've got mine, you go to Hell.
But the rugged individualists almost always ignore that their achievements were NOT solely their own. They had help from others along the way. And, yes, those rugged capitalists who built businesses did not do it by themselves. They relied on others, including government.
Insurance is quintessentially a socialistic enterprise. My premiums help pay for your health care, your premiums pay for mine. My premiums pay for your car accident repairs. Your premiums pay for mine.
Societies have never been about exclusively rugged individuals.
It DOES take a village.