[Spiff]

So the healthy young person who logically shouldn’t buy health insurance (because their opportunity cost for their cash is high, and their likelihood of getting sick is low) cannot opt out.

Health insurance doesn't just cover "getting sick". And young people get sick too. The problem with being uninsured is that if you get injured or sick and you refused to get health insurance, then you become a burden on the state. The idea is to reduce that burden.

[Uncle Miltie]

"The problem with being uninsured is that if you get injured or sick and you refused to get health insurance, then you become a burden on the state."

Not true.

A young person can rely on Dad, Loans, Churches, selling the car, etc.

And why should an older wealthy person have to show proof of self-insurability to anyone? Whose business is it that proof of my financial health is a required to avoid a government mandate?

Y'all just slid partway down the slippery slope. I'd rather stay off of it.