Insurance works by aggregating a bunch of people together who don't necessarily need benefits right now, and that makes it so there are funds to cover benefits for those who do need it.

Many people end up paying more than they use over the long run (those executives aren't rich from their own bootstraps), but if you're currently coming out ahead then that's great.

I pay for insurance but don’t have any prescriptions at the moment. As long as enough people don’t need treatment then they’ll come out ahead monetarily.

As an aside, you keep saying “want” about your medicine, I’ve never heard of this. A doctor prescribes it based on how it can improve your health situation. It’s not so much that I don’t want my medicine covered that but things are all okay for now and they're not needed