You comment strikes close to me. I'm 31 and have 0 medical issues and pay for 0 prescription medications. Most of my healthcare consists of my gym membership and some high quality supplements. I spend almost zero dollars on medical expenses, and I just want a catastrophic type plan (you know, *actual* insurance...) and to start paying into a health savings account for when I'm older...It's basically impossible to do that. The modern health "insurance" scam is nothing other than young healthy people paying for older people...which wouldn't be totally evil (although I'd still disagree), but we all know the resources won't be there for us when we're old.