Are people who refuse to buy health insurance freeloaders?

[Mercenary]

I could afford it but I chose not to. I guess you could say it was a gamble, but in the end it was the right choice as it saved me hundreds of dollars.

Honestly, I absolutely detest for-profit insurance and consider it a massive scam and would prefer no part in it. I'd be okay with non-profit insurance that was just about risk pulling and not about making money and finding ways to get out of paying claims.

I had a physical once during this time I paid out of pocket, and of course I was perfectly healthy. As I never took a cent of taxpayer money I don't know how in the world I was a freeloader.

The only time in my life I could be considered a freeloader is when I was in university and received pell grants, and subsidized loans.