Analogizing health insurance with auto insurance just doesn’t work. People’s lives aren’t cars.
What you're trying to turn health insurance into isn't insurance at all. It's not a product you buy from a company. It's a social safety net that can only be maintained by forcing people to pay into it, and only government is empowered to do that. That's why ACA is seen, by many of us, as a thin veneer over socialized health care. But it's socialism done "American style", which means the corporations driving it all will profit from it. At our expense. It's essentially corporatism, and a feeding trough for insurance companies.