Yeah, that's how insurance works: it is wealth distribution from those who have not become (yet) an insurance case to those who have not.

If you have a car, you need to pay car insurance. Is that also a tax?

The concept of insurance is independent of mandatory or not. That should be obvious, I wonder why it isn't to you. Maybe your ideology prohibits clear thinking and makes you vote Trump?

Something can be mandatory insurance AND a tax.