But if you have an insurance policy, you ARE paying for other people's medical costs. The concept of insurance is paying into the pot continually, so that you, as a paying member, may withdraw from the pot if you need to. Many will pay more into the pot than they will withdraw, but they have the peace of mind of knowing that, should something unexpected arise, they will be taken care of.
 
But for the pot to be able to pay out for those few who, due to unexpected circumstances, must withdraw more than they contribute, there must be a wider base of contributors. True, someone younger and with lower chances of needing to withdraw would likely benefit over time by not participating until later in life, but doing so puts more of a strain on the entire system, and if that person DOES join the pot later in life when the chances of requiring withdrawal are higher, is this not a form of "cheating?" It would be like declining flood insurance for years, but then opening a policy just before a tsunami is expected to come. If everyone followed this plan, there would be no financial incentive for companies to provide flood insurance.
 
The problem is that in our current system, the pot has another form of withdrawal from a member that does not contribute -- profit gleaned by insurance companies. If the pot did not have to cover this withdrawal, the contributions from members wouldn't need to be as high. Two possible solutions would be either requiring insurance companies to be non-profit, or eliminating them entirely, and having the pot being maintained as a sort of savings account held by government, with withdrawals being made only for healthcare costs.