Don’t worry the behavioral economists are on it.
There is a solution to the health insurance issue. It’s fairly ovious. As a former insurance underwriter I am very familiar with it. Catastrophic insurance.
Most people don’t need “well visits” or if they do $50 for a visit a year seems pretty reasonable to me. But people do need coverage in the event of something like cancer or a car crash. Such policies can likely be underwritten profitably and people can likely be covered at a very reasonable cost as catastrophic losses are usually far and few between.