The insurance company is not a charity. You will (or already have) pay the full price.

Im 41 and haven't been to a doctor since I was 10. I have had insurance coverage my whole life. So technically I (my employer on my behalf I guess) have paid for many other people's services. I have been a huge net positive for insurance companies. Other people get way more services than they ever paid.

Not necessarily; your costs are pooled with others like any other insurance. Some will pay more over time, others less.