Seriously, dude, this is how insurance ... programs work. We all pay in.
The way that real insurance programs work is that we all pay in proportion to our individual risk. Real insurance is not a charity program or a wealth-transfer scheme. It is a stable arrangement in a voluntary and competitive market precisely because the premiums are balanced with respect to each customer's actuarial risk. Coverage and premiums are negotiated before risk is realized (real insurance does not cover "pre-existing conditions"). You are not subsidizing the other customers, and they are not subsidizing you. Instead, you are entering into an equal trade with the insurance provider, a premium payment in exchange for alleviating your risk. This trade has zero net impact on the other customers. The presence of a risk pool does allow the insurance company to operate without massive amounts of liquid assets, but to the customers that is nothing more than an insignificant detail of the insurance business model.
Like when you crash your car....all those other people who aren't crashing their cars are paying for yours to be fixed.
Like when your house catches fire...other people whose houses haven't caught fire are helping to pay for yours to be rebuilt.
Only if by "those other people" you mean your insurance provider. Their other customers aren't paying to fix your car or rebuild your house; they're paying the insurance company to fix their own cars and rebuild their own houses in the event that something should happen to them—none of which has anything to do with your policy. Those other customers don't owe you anything.
Of course, if you compel everyone to buy an "approved" insurance policy the the prices of such policies will increase, transferring wealth to the insurance providers. And if you make the mistake of also mandating coverage (at the same price) for pre-existing conditions, ignoring actuarial risk, costs and prices will rise further. At this point you no longer have insurance, you have a vestigial insurance system overshadowed by a mix of social and corporate welfare, with heaping helpings of bureaucracy, regulation, and regulatory capture.
It's gotten so bad that people don't even know what insurance is any more. Some think that insurance is how you get health care. No, paying health care providers is how you get health care. The insurance company is only a middleman. Some think that insurance is a social program to ensure access to health care regardless of ability to pay. No, charity is how we provide health care when someone is unable to pay for reasons out of their control. Insurance—a product you can't actually find anymore (in the medical field) because it's been regulated out of existence—is how you protect yourself against unrealized risk: things that are unlikely to occur, but if they did occur would be large enough to wipe out your savings and perhaps put you deeply in debt. If an event is not unlikely, such as a condition you already have or a routine event like an annual checkup, then paying for it through insurance will only raise the total cost.