We are talking about insurance here, not education taxes. As for home insurance, that is a condition of obtaining a mortgage, the mortgage company/bank can NOT force you to buy it, just if you want to borrow their money.
Plenty of people don't have it.
As for car insurance, I respect those who think it should be mandated because of what could happen to others if they injure them, but ultimately many drive without it anyway, and it is a definite restraint on ALL people's economic freedom.
So ultimately I think it should be optional.
Really my beliefs are that no insurance should be forced.