Are you proposing we let those without health insurance suffer and die? Insurance places a value on something. What is the "value" of your life? Health care shouldn't be for profit to begin with.
As for auto insurance, I think that instead of making responsible individuals carry uninsured motorist insurance, make it a gas tax...that way, everyone who drives pays...including the uninsured motorist.
Most people without health insurance are healthy and in their 20s. Who is proposing they die?
Insurance does not place a value on something. Your understanding of insurance is wrong. Insurance takes the risk that you cannot to take. Most people can afford $10 for over the counter meds for a cold. They could actually afford $50 for a doctor's visit. Few people can afford $100k in medical bills, which is why they buy insurance.
Health insurance is like any other financial product: annuities, IRAs, etc etc. Why shouldn't people make money from this?
We already have a high gas tax to pay for highways.