Is it my fault that insurance premiums would increase by my non-participation in the insurance company's ponzi scheme, or is it the scared masses fault that medical services are so high because they relentlessly pursue getting everyone to join in for their own security?

Here's the problem with the arguments of "all for one and one for all": Most people are not going to have hundreds of thousands of dollars in medical bills (millions is ridiculous. I have never heard of such a thing, and regardless, the prices are over reported to make the argument that high premiums are necessary). All most people are going to need is yearly checkups, a cost they could easily take on themselves if they pay out of pocket. But instead they put it on their insurance, like it's some kind of free money.

Every time someone goes to a general practitioner for a basic rhinovirus and only pays their $10 co-pay, they're making the rest of us (yes, me included, because you generous folk figured out a way to force me to buy minimum insurance) pay for the rest of the over-inflated price of their unnecessary visit. Take a cough suppressant, drink lots of water, and stay home, you'll be better in 3 days. You don't need a doctor to tell you that. I haven't needed a doctor to tell me that since I was a teenager. Stop going to work when you're sick.

But the average person is meant to lose out on their premium, otherwise the system wouldn't work. But rather than treating it as the sunk cost that it is, money they're most likely to never get back, the average person goes the doctor for every sniffle and ache.