I can't stand Big Brother rules from the government. Hovever, Joe Citizen needs to pony up to the flip side of freedom and that is called Responsibility.
So, no helmet and you get in a wreck, if you have the money, insurance or whatever is required to pay for your medical costs, rehab etc., then make your own choice concerning your personal safety. That's what used to make America great and free and is the way it should be again.
If you can't pay for any of that, then I don't think my insurance pool, my tax dollars or anything else that belongs to society at large should be spent, used etc. to take care of your sorry ass. Problem is, for everyone of us who don't want the government to take care of us and who are willing to accept responsibility for ourselves, there seems to be ten others who can't be relied on think for themselves even when their lives depend on it.