Why should a majority of the under-65 population be subject to a health insurance requirement when they consume little or no healthcare?
You seem to be implying that most people under 65 really don't want healthcare insurance. They would prefer to risk the the health and financial future of themselves and their family. Nothing could be further from the truth. The vast majority of people under 65 who do not carry health insurance do so because either they can't get it or they can't afford it.
Most Americans don't use healthcare? Well, that's like saying most Americans don't use an emergency room. Almost everyone will need healthcare and will need it badly. If they are among the lucky few who don't, their spouse or other family members will.
Sorry if it comes across that way. My premise is that there is a better way than government one-size-for-all coercion as the answer.
It is not.
Freedom and liberty apply to healthcare.
Now, for a bedtime tale, on that point:
The Dog and the Wolf
A gaunt Wolf was almost dead with hunger when he happened to meet a House-dog who was passing by. "Ah, Cousin," said the Dog. "I knew how it would be; your irregular life will soon be the ruin of you. Why do you not work steadily as I do, and get your food regularly given to you?"
"I would have no objection," said the Wolf, "if I could only get a place."
"I will easily arrange that for you," said the Dog; "come with me to my master and you shall share my work."
So the Wolf and the Dog went towards the town together. On the way there the Wolf noticed that the hair on a certain part of the Dog's neck was very much worn away, so he asked him how that had come about.
"Oh, it is nothing," said the Dog. "That is only the place where the collar is put on at night to keep me chained up; it chafes a bit, but one soon gets used to it."
"Is that all?" said the Wolf. "Then good-bye to you, Master Dog."
Better starve free than be a fat slave.
Doctor Aesop