As a young healthy person I don't any of my insurance money to pay for sick people. I think I should get a rebate. It should be free if I don't use it. But if I get sick I don't want to pay anything. Retards. This is how insurance works. Your insurance pays for other other peoples treatment if you are not sick. If you get sick then it pays for you. If you want to set up a savings account that you can only use for health care you are free to do that, just hope you don't get some crazy form of cancer.