The issue is that unfortunately despite those that abuse it there are those that truly need it and it is good to have that there for them.
I have a relative who recently was in hospital in the US. He was in an excellent hospital and it was covered by his insurance. However had he not been insured the fee for this brilliant hospital would have been $5000 daily.
On one hand yes we insure our cars, homes and possessions. Insuring your health seems like a natural progression. On the other hand those on a really tight income but paying their taxes like everyone else deserves access to healthcare when they need it.
Here in Canada healthcare is mostly free, you have to pay for the ambulance (sent a bill after your treatment). However there are loads of loopholes and items not covered without additional insurance. This causes many families to struggle to keep a loved one alive and living a decent life.