Again, the default state of the world is "no insurance or free healthcare at all". You absolutely have a choice – to not buy health insurance and always pay for your own healthcare costs.
The result of health insurance is that people who could otherwise not afford to pay their own healthcare costs frequently can (but not always, when claims are denied). In turn, people who are healthy (and lucky) subsidize those less fortunate than themselves. This is not evil, this is good. This is something humans have invented to make us stronger as a collective.
You can argue that a society should do more to proactively provide healthcare so that you don't need a private health insurance system, but that doesn't then make the private system bad.
The result of health insurance is that people who could otherwise not afford to pay their own healthcare costs frequently can (but not always, when claims are denied). In turn, people who are healthy (and lucky) subsidize those less fortunate than themselves. This is not evil, this is good. This is something humans have invented to make us stronger as a collective.
You can argue that a society should do more to proactively provide healthcare so that you don't need a private health insurance system, but that doesn't then make the private system bad.