1: If people choose not to get health insurance and then have to go to the ER, who pays for that? You and me. In most cases, it is cheaper for people to get preventative care and reduce their chances of a very expensive ER visit.
2: Preexisting conditions. Sure, but without a guaranteed customer base supported by subsidies then those people will be effectively denied insurance by having to pay insane premiums and deductibles. I have seen no evidence thus far that effectively counters this argument.
Lastly, you say you want to live off the land in some small town somewhere and you don't want the government to force you to pay for other people. Splendid! Say hello to Thomas Jefferson for me. But who builds the roads that lead to your house? What about utilities, water, internet? If you slip and fall down the stairs and break your leg who do you call, 911? If so, who pays for the 911 service, let alone the ambulance to take you to the hospital?
Again, I do agree with your premise, but since in my experience most libertarian arguments tend to crack under the pressure of public goods (like national security), where do you draw the line between independence and the needs of the populace as a whole?
