Who should pay for my health insurance?

I'm not raising this as a legal or contractual issue.  This is an "ought" question.

As a moral and ethical issue, who should pay for my health insurance?

If you spend all your time around health policy wonks, I'm probably the only person you know who even thinks this is an interesting question.  I've never heard it raised at any health conference.  But then most of the ones I attend are in Washington, D.C. - where no one ever talks about the ethics of anything unless he is skewering an opponent. Continue.