FWIW, you have to have car insurance for the OTHER guy, not you. Your required to have insurance in case you hit someone else. Also, the little I have dealt with insurance(working at Eaton, and my wife's employer), both have open enrollments that allow people with pre-existing conditions.
Ask a British person how they like their health care system. I won't even mention Cuba.
With the new "system" I can just pay the tax and go to the ER and not spend a penny. Who is going to pay for that?