There's nothing whatsoever wrong with covering everyone by having everybody contribute a bit more for those who might need more care. I am 100% for that.
That does not mean that a family's health insurance costs should TRIPLE or more. That's theft. Particularly when you barely use it. A couple hundred bucks a month, sure. Triple or quadruple? No, that's just wrong. Take that extra cost and multiply it by ten years. It's a shit-ton of money. They take away from retirement, kids college, etc.
What you cause it what a friend of mine has done for ten years: No insurance. If he needs something important he travels to Latin America, gets excellent care and at a reasonable cost that is LESS than the cost of insurance here in the US. Actual care costs less than paying for insurance. Go figure. And, on top of that, you get doctors who will spend 45 minutes talking to you rather than 5 minutes looking at a chart and see you next visit.
The only reason people accept the dumpster fire that US health insurance has become is because they have not been outside the US to understand how else it could be. This does not at all mean socialized medicine (which is, in general strokes, a disaster).