Rich people don't need health insurance even though they can afford it. Poor people need health insurance even though they can't afford it. amirite?

We need a universal healthcare without governmental force. I would like to talk to any left-libertarians about this concept. Too bad they're rare.

This...

Everyone needs it, just those that can easily afford it most likely can afford to live a lifestyle that would minimize their need for it.

Wealthy people tend to appreciate insurance products. Insurance is generally cheaper than facing the liability directly.

Define rich. It only takes one catastrophic illness to bankrupt lots of people. I had a surgery that was $80k. Two nights in the hospital was $30k. Those were not even catastrophic cases.