What does "insurance" mean? There are innumerable products which fall under that name. Which will I be required to purchase?

I'm 24 with no health problems. My yearly health expenditures are near zero. My largest expenses are probably biannual teeth cleanings. I really don't need health care.

However if I am hit by a truck I would like to be able to afford someone to set my leg in a cast. So I have true insurance with a high deductible($1500USD/year). This coverage is dirt cheap.

Will I have to pay significantly more in 2014? Why should I have to subsidize fat baby-boomers?

It usually makes sense not to have insurance against any event that your resources can comfortably absorb. If that were not the case, insurance companies would not be profitable.

Let's say insurance is $400/mo. If my insurance application can never be denied, why would I pay $400/mo when I don't need it?

I would wait until I was sick or injured, then buy insurance.

If you force insurance companies to always provide insurance, then you have to force everyone else to always buy insurance. Or the math won't work.