That is the problem talking about insurance based on anecdotes. Insurance is statistics, actuaries and collections. People like you who are willing to take the risk rake up bills that are denied by insurance companies. And half the people who file for bankruptcy due to medical costs, have had health insurance. Except the coverage was inadequate or was not renewed. And who picked up those costs my friend? It is us, who were in other plans, our premium went up because of people who were taking risks far beyond reasonable levels.
In the end, it would have been nice, if we could come up with a system that would saddle all costs of your bet going bad to you. But we don't have such a system. It would be nice, if the free market supporting Republicans came up with a system that would allow people to take such risks, and face the consequences when their bets go bad. But there is no political appetite for it. Yes, it is true, a large number of Republicans shouted "YES" when asked "should people without health insurance die if they get sick?" in the 2012 Republican primaries. But they are such a microscopic minority of even the Republican party. It is far easier to let the other guy go on stage and criticize the action.