Some of the healthy folks, healthy young kids say I'll never get sick, therefore I don't need health care right now. For those what I think we need to do is to develop an investment-type vehicle that would be an incentive for them to invest, like medical savings accounts with rollover capacity.
A medical savings account would be an incentive for healthy folks.
( z1 incentivize :ARG0 ( z2 account :mod ( z3 save :mod ( z4 medicine ) ) ) :ARG1 ( z5 folk :mod ( z6 healthy ) ) )