If you're willing to go on the record and say that you will refuse any medical treatment you can't pay for up front, then I'll support you. I'll think you're crazy, but I'll support you.
So, will you say that right now?
Hit and run driver hits you and you don't have $120,000 to pay for intensive care? You just stay at home with the Advil.
Deal?
I pay for stuff out of pocket because I'm young and healthy and self-employed. Tetanus booster? Just went and bought it, no biggie.
But I also have medical insurance for any time I have to pay more than $4000 in medical bills. For when I get hit by a car or crash my bicycle or have a hiking fall or any one of a multitude of other things you might consider to be in the "unhealthy lifestyle" category.
People without insurance end up in the hospital bankrupt, and those costs get spread around to those of us who carry insurance! Ironic, no?