I elect to have none, and pay a yearly penalty to the federal government as a result. I earn and save money on my own to cover medical expenses. I view payments to a 3rd party who then bank their business model on my not needing payouts as a form of gambling on human welfare, which I deem immoral.
While I agree the whole system is immoral, I have to ask what will you do if you have a critical injury or disease? Lots of things can happen outside of your control and healthcare is an insurance against going bankrupt.
