WTF? And when you don't have the money to pay for it, I get to because you didn't plan to be hit by a bus? Healthcare is quite clear where your waiting to be hurt lies. You are not rich, you won't be able to afford the results. Historically, that has meant that the very Americans you don't want to have healthcare for, ended up paying for your shit. When you default on your house, go on assistance, because you didn't want insurance, you will make us all pay.
The above is you not understanding health... there is no other way you could be using analogy where the result of those negatively impacted by universal coverage, is to need it.