Is the analogy to heath insurance and car insurance a bit absurd?

When people make that comparison that "we require people to buy car insurance so we should do the same with health" , by that account a car insurance company raises rates based on age ,experience,tickets
car wreaks.
So technically heath insurance should do the same thing but with different ways to jack up the price on you unless the government steps
in and then its government health care like we conservatives have been saying this is what Obamacare is going to lead to…?