The whole idea behind requiring folks to buy insurance is to get those folks paying into the system the whole time and not just waiting until they're probably about to need it.
Those of you opposed to the idea, would you support a system where you chose whether or not you wanted to buy the insurance...but if you went for some time without it you would have to pay to pay a significant startup fee (a means of collecting the money you didn't pay in) once you decided you wanted coverage going forward?
That system should be plenty amenable to you, I would think. If you don't ever want the insurance (like not putting a car on the road), you aren't out one red cent.
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