You do all the right things with your health and still get cancer .  A lot of people who eat poorly and don't exercise have health insurance through their employer already so it's not just people who have to buy their own health insurance have a monopoly on a bad life style . When you buy health insurance the money you put in isn't enough to cover all your bills if you get sick . Insurance companies use the money from other people's premiums to pay your doctor bills . You see the whole concept of insurance is a Socialist program of the many taking care of the few .