So what generated this "need" for health insurance? It's simply this -- if you don't have it you'll be bankrupted, but the reason you'll be bankrupted is that you will be charged 5, 10, even 100 times as much as someone who does have it -- all in a concerted attempt to force you to buy that insurance up front.
Oh, that's illegal too -- it's called a "tied sale" and any attempt to impose one is against anti-trust law. It's a per-se violation -- except in the medical industry, of course.
Proof that this is the case is found by the fact that you can get on a plane and fly to India to have a procedure performed at one tenth to one quarter of the cost in the US. But there is no "insurance" and no treatment without money. The hospital there is outfitted with US-supplied medical devices, the physicians were trained in our hospitals and the rooms look like something out of the Ritz Carlton and are priced more like them too -- instead of $10,000 a day.