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.
The writer doesn't believe they need an investment-type vehicle. 
( z1 believe :polarity - :ARG0 ( z2 person :ARG0-of ( z3 write ) ) :ARG1 ( z4 need :ARG0 ( z5 they ) :ARG1 ( z6 vehicle :mod ( z7 type :mod ( z8 invest ) ) ) ) )