Just speaking for myself here (although I know a lot of people who agree with me) - 

I don't need full-coverage medical insurance. I am healthy and I take care of myself (and, yes, I'm middle aged). Instead of paying thousands a month for full-coverage, I'd rather pay hundreds a year for a catastrophic policy for "just in case". Ideally, that savings could be invested in a medical savings account that I can hold from year to year and pass onto my kids. I would use that to pay for a direct primary care clinic for $50-100 a month for routine medical care. You know, annual physicals, the occasional sinus infection and possible broken arm.. https://www.mercatus.org/commentary/direct-primary-care?gclid=CjwKEAjw16HLBRDF9L2UmOCH7U8SJAASVESokS2BSuF6IpkY_F3ozvAgFZGp2E_T30mrUopz9nCU5xoCE5Pw_wcB 

These are all things that exist today, and the vast majority us could use these and opt out of the medical insurance mania altogether and still get medical care as needed.