@Warlock13,
Thanks for using good ole Charles to prove my point. What do you think it means that the best "individuals" reproduce and flourish? How do they reproduce except in a collective? And what happens to the "best" individuals? They become the chief of the tribe or the alpha male of the herd. Tribe and herd are both collectives. The best individual does not act in isolation, nor are they considered the best if they are not part of the collective. In fact, they must make CHOICES that allow them to navigate and negotiate the challenges presented as being part of the collective in order to become the chief and have the best chances of reproducing/flourishing. They are not capable of flourishing in isolation.
You are correct, most anyone (except those that cannot care for themselves) can make a CHOICE up to and including suicide to ensure they are not "forced" to do anything they don't want to do. The fact is you are not being forced to buy health care, you have a CHOICE you can leave the clan, go to your island, and suffer a lesser ability to reproduce and flourish. If you leave you will never be the chief or any important member of the clan. On the other hand you can choose to live with the clan, but that means you must accept that not every decision will be one that you like and that to live, navigate, and become an "individual" with higher evolutionary potential it means you may have to accept being in your words forced to accept a few things of which you are not in favor.