you are right, there is a difference between the two. Just like auto insurance says "if i get in an accident I will be covered for damages to my self, my property and others person an property" Health insurance says "if I get sick I will be covered for the for the costs incurred in helping me to get better"

The difference between health insurance and auto insurance is that your past behavior dictates your cost to be insured in auto insurance. In health insurance your costs are derived (most often) by the aggregate risk of your work colleagues. So if all of your colleagues are young an healthy you will have a lower cost then if your colleagues were older and more sickly.

I think the abdication of personal responsibility in the cost of health insurance is one of the biggest issues in the market. I would like to see the health insurance include my own behavior - e.g if you work out, eat well, get your preventive care, take your meds regularly, you should pay less then someone who does not. The base line cost could be regional, like all of middlesex county etc..