I must pay for all kinds of gizmos and features mandated by the feds, including seatbelts, catalytic converters and air bags.
The feds also insist I purchase unleaded gasoline. They tell me I have no choice but to pay for tires that meet specific government safety standards. The upholstery must resist fire of a certain intensity. All of this costs me money and I have no choice but to pay.
And just like health insurance, all of the automotive bits and pieces the federal government orders me to purchase are intended to preserve the health and welfare of me and those around me.
I also know that every one of the 26 state governments arguing against mandatory health care coverage impose specific standards on vehicles that would force me to spend money.