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I imagine you would think it is, since you also believe that you have no need for emergency services paid for with tax money that you resent having had "stolen" from you.
But any reasonable risk assessment of life would come to the conclusion that we all get sick eventually, or perhaps get hit in an auto accident that wasn't our fault, but nonetheless leaves us with massive medical bills. There could be zero fine, and buying medical insurance would still be a good deal, when comparing risk vs. reward.
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