You choose to purchase a vehicle.
You choose to ride a motorcycle.
In both examples you are making a choice, and choosing to comply with laws passed around those activities. If for example I do not believe in utilizing vehicles, I am not forced to purchase seat belts and helmets.
I personally choose to use the medical facilities available, and as such I choose to have insurance. If I didn't choose to use the facilities, forcing me to purchase insurance is a clear violation of my rights.
Other posters have mentioned water... only if you choose to own property within city limits, etc...