I've been smart enough to save money and stay 100% out of debt. So I don't have to worry about insurance or rather the lack of...

see you guys just can't help it, progressive control freaks cannot tolerate anyone disagreeing with them… Fact
You're full of shit. A major surgery can cost you in a few weeks more than you will pay for insurance in ten years. While not buying insurance you've admitted to be a person who flouts the law, especially by failing to comply with a law that is difficult to enforce effectively.
And BTW, when Reagan signed Tax Reform he eliminated the entire deduction once allowed for health insurance.