Deadcat2 says - Deciding to forego medical insurance of some kind is nowhere near that simple.
You not only put your entire future at risk, but the future of your family as well.
Oh yeah, Foregoing medical insurance is another option. Agreed not a good one. But that fact that it is not a viable option doesn't change the mechanics. Once you agree to something, like the boxer, you can't claim harm.
Sure, logically I "agree" to help pay for the harm others may do themselves when I sign up.
But it's not like there is really a realistic alternative.
There hasn't always been medical insurance. How did people survive!! Don't say they didn't, because that simply isn't the case.
Therefore, I contend that people are essentially "forced" into paying for others.
You're trying to 'sell' your case by the use of 'essentially forced'. You are not forced. You have a choice. I agree that the choice right now isn't good but at this point there is no gun at your head. That could change soon.
And in that context, they do me harm when they put themselves at unnecessary risk.
The context 'essentially forced' is not true. And even if it were, or even if it will be, it will not be the persons being what you call irresponsible (what others may call 'free') that is causing you harm - it is either your choice or the gov't, in the event of a gov't healthcare plan, where you are forced to take it, that is operative, not the person who, for example, would: "NEVER, EVER make my child wear a helmet while riding a bicycle."
It sounds like you are making the same argument I always make with respect to "social contracts".
Well as you state below there are no 'social contracts', only individual contracts. In Locke's state of nature you do what you need to survive. In a Constitutional Republic you don't violate others rights, and you certainly don't claim your rights have been violated when they haven't been. In a mixed economy or a socialist one, then all bets are off - there's nowhere to put the line as to who is 'harming' who. If you are exhaling carbon dioxide, in some people's minds you're violating their rights. So rather than making up 'essentially forced' arguments, you're better off integrity wise to just admit the truth of the matter, no? You've agreed to something and you know that possible results, so be man enough to not blame someone else, regardless of how 'irresponsible' you think they are, for 'violating your rights'. That's the end of civilization not the beginning.
When you decide to become part of a society, you are implicitly agreeing to abide by their rules. In return you enjoy the conveniences of society and the protection society provides.
"Implicitly agreeing" is as bogus as "essentially forced". And "society" doesn't provide you 'protection'. You either do that yourself or arrange it through a proper gov't but most governments, currently and historically have been a bigger danger than 'society'.
But on the other hand, who really "decides" to join a society.
You're on to something there
It's not like there are a whole lot of realistic alternatives.
One way to make realistic alternatives is to stop buying into and promoting their fallacious premises like: 'when you don't wear a seat belt you're violating my rights'. And I don't even think that's idiotic, just wrong. Think of the idiotic subjective driven 'laws' that can come, once there is no objective standard whatsoever for "rights violations". Let's keep 'rights violations' to direct harm as they relate to individuals... as they do in reality, not 'twice or 5x removed'.
Just imagine the multitude of 'harmful actions' that people within a collective could come up with that when violated will increase your premiums and you might get a glimpse of why I would want you to reconsider your premises.