No you do not require health insurance for the Non-O visa. Your mistake is that you have clicked on the wrong category of visa when using the e-visa system.
When the program first rolled out there were a number of DTV’s issued for Thai language but since then and for well over a year I have not seen a single post where Thai language as a soft power option was used.
correct, on a DTV when you exit the country you have to file a new TM30 on your return which will then be valid for that address for the 6 months of your new stamp.