You didn't answer the question.  It is simple, if you are going to claim freedom and not purchase health insurance, then you should also opt out of being a burden to the rest of us if you get sick enough to need that insurance.  If your freedom to not purchase insurance is that important to you, then I don't want to have to pay for you if you get sick enough to actually need it.  That means, no bankruptcy and no getting treated if you don't have a provable means to pay.