I see health insurance on the same level as other health related services guaranteed by the society, coming out of your taxes. Sure, many people don't need health insurance right now, but many people don't need the fire department without having their house on fire, but they still accept that their taxes are funding the fire department.

As you said, these are "monopolistic public services", so for me it doesn't make sense not to have healthy people insured. The more healthy people are insured, the lower premiums are payed by everyone, and in case of crisis, no one gets left behind.