You constantly put more money into a communal fund which everyone else uses more of than you do unless something very very horrible happens to you. More importantly there's a huge deductible and if you do use your insurance, they hike your rates after there's finally nothing wrong with you in preparation for the next time you become difficult.
How is insurance better than taxes?
You can lapse taxes and still get your hernia fixed.
If you have the wrong plan, they won't touch your hernia no matter how many thousands you've given your carrier, and if you change your plan, it's a preexisting condition.