It's one of the reasons I'm a strong believer in what they call health savings accounts. These are accounts that allow somebody to buy a low-premium, high-deductible catastrophic plan and couple it with tax-free savings. Businesses can contribute, employees can contribute on a contractual basis. But this is a way to make sure people are actually involved with the decision-making process on health care.
Health savings accounts do not exist. 
( z1 exist :polarity - :ARG1 ( z2 account :mod ( z3 save :ARG1 ( z4 health ) ) ) )