Voluntary health insurance: you voluntarily choose to have other people pay your bills?

Why do those who are pro-insurance seem to forget that other people are paying off their medical bills through their premiums? What happened to conservatives paying their own way in life? Hey republicans and conservatives: how about you pay your medical bills and I'll pay mine, and we do away with insurance.
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It might indeed have been better if things had remained that way. Health insurance was, after all, quite unusual before World War II. Two of the effects of the expanding insurance industry have been (1) costs have outstripped the rate of inflation by a good margin and (2) philanthropy, with the wealthy donating entire hospitals at times, has essentially disappeared from the scene. I don't quite see how the clock could be turned back, though.
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