The problem with this POV is that young, healthy people end up having no insurance and thus leave the older, unhealthier population to pay all the bills, whereas a full-insured population would distribute the financial load.
Also, it would lead to young, healthy people foregoing insurance in order to save money, and then when catastrophes happen (you're talking about living on the land, so imagine something as harmless as scratching yourself on rusty farm equipment, being bitten by an animal... both can send you to the hospital for weeks!), these people would face financial ruin.
The purpose of mandatory healthcare thus is to protect elderly or otherwise pre-conditioned people from having to pay devastatingly high premiums, and to protect people literally from their own short-sightedness.
