When you're 60 years old you're going to want doctors and nurses who know what they're doing. That means someone needs to pay now to train them and their replacements.
So what you're saying is if I don't go to the doctor for 10 years, but pay $350/mo over the course of that 10 years for an insurance plan, the insurance company uses the money to fund college education for nurses and doctors?
Doubt it.