Now, the typical retort to that is that folks have trouble buying insurance when they are "young and healthy", especially if they find themselves underemployed....or if they never have the chance to be young and healthy. This was one of the principle reasons for ObamaCare.
Do you think this is an appropriate stance? If you can't be arsed to buy insurance before you get sick, don't cry to anybody if you can't afford it after you get sick? Short of universal health care (which is a political impossibility), are there other acceptable options?
It's a variation of bootstraps. It is one of those arguments that could make sense, in a cold "pull yourself up by your bootstraps" way, since we are all supposed to be these rational actors acting in our own best interests at all times, and if we are not everything bad that happens to us is all our fault...but in reality that's just not how it plays out.
Lots of people either just don't make that rational decision or they simply cannot afford it, or they lose their job, or their COBRA runs out, or whatever. Life happens. Then, the cost for everyone else just goes up, since one person's inability to pay ultimately just spreads to everyone else, whether it is through higher premiums or the ripple effect of a bankruptcy/debt collection matter. So if a government or society or local community agree that this cost will be spread out in the more efficient way by spreading the cost of
preventative care and insurance for health costs from the outset, since the alternative is to have a higher cost for emergency care + debt collection ultimately spread out regardless, and in a highly inefficient manner, I think there would be a net benefit. But, that argument has the specter of the evil nanny state vs. the proud independent freedom loving patriot who makes his own way in life, unsaddled by pesky government obstacles getting in the way of his freedom to pursue the American dream. It's sort of rooted in the (largely false) American mythos that if you just work hard, you will succeed, and ultimately if you fail (e.g. die of a treatable disease because you were not insured) that is your fault, regardless of the context. (Lost your job? Should not have gotten fired! Could not afford it? Why are you lazy and poor? Etc.)
Unless we just want to agree that if you can't pay, you do not get any service whatsoever. Does anyone want to go there?