Right. People should be free to drive at whatever speed they want on the public roads, because it's authoritarian to tell them to do otherwise. Who cares if they hurt someone? That's the problem. Society as a whole will not just let you die, but we will refuse to treat you when you _aren't_ dying. So this creates a really bad situation where on the one hand you can't stop the disease when it's cheap to do so, and on the other hand the people who can afford to wind up paying for your emergency diving-catch health care when you are actually dying. So by not joining the risk pool, you are creating a hazard for everyone else.
Maybe you would prefer to live somewhere where, if you choose not to pay for health care, your neighbors would collectively just let you die when your gamble didn't pay off. But you don't live there. Part of the price of living in a place where people respect human life is that we have to pay for taking care of it. ACA sucks in a lot of ways, but it beats the alternative. Refusing to participate because it's "authoritarian" is just tribalism forcing you to go against your own best interests.