I agree with everything you are saying CI. Insurance is mandated IF you choose to buy a car. (Actually, insurance is not mandated to own a home. It is a requirement of the lending company if you wish to borrow money for a home. Once the home is actually yours, you are able to drop the insurance coverage if you wish.)
Where the analogy fails is that with the health care mandate, you are required to buy insurance just for being alive. There is no choice in the matter. And in that the government is overstepping its bounds. Using the same argument, the government could indeed force citizens to buy carrots (using your example, I believe.) Not that I would ever expect that to happen of course, lol, but the principle could be applied to anything the government wanted us to do.
Personally, I believe anyone who can, should have health insurance for catastrophic illnesses. But telling someone they must buy it or pay a fine to the government is not acceptable to me.
That's right; but those without health insurance can go to any hospital emergency room to get "health care services" that everybody else pays for.
And that is the rub in the system as it is now. But demanding that everyone has to buy insurance with fines for those who don't is still not the answer. It would be comparable to saying that because some people drive cars and have accidents while not being insured, we will require all people upon attaining the age of 15 to buy car insurance whether they drive a car or not. Is that the direction you wish to go in?