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That's true, but that is also what makes it work. You CAN opt out of driving. You CANNOT opt out of healthcare. Otherwise, the argument is the same, the logic the same. The need even greater with healthcare as no one can not be treated for healthcare.
I disagree. The rational behind requiring drivers insurance is that if you cause harm to another person or their property (vehicle in most cases) you will be able to pay for the damages and make restitution. Mandating health insurance would be forcing someone to buy a product that the government deems is necessary for your personal well-being. The fact that driving is not a right also makes things different. A state issues a license based on a driver's proven abilities to properly operate a vehicle. The state government can remove you license to drive if you violate law. The ability to drive is not a Constitutionally defined right, a state can remove it. Being alive is a right under the constitution and I think as such the federal government (among other reasons) should not be able to mandate that all living individuals buy private health insurance or face a fine.