Yeah, the irony is the whole idea of "making us have skin in the game" in terms of trying to get people to take care of their health and do proper risk management, tends to fall apart pretty hard with factors outside our personal control, like, um, GENETIC LOTTERY (especially since we don't have anything yet other than family health history to refer to for too many of these issues) and OTHER PEOPLE'S LACK OF RISK MANAGEMENT. And it's been (deliberately) compounded by the rapidly spiraling health costs, practically ensuring that one will be financially ruined for at least ten years if they do get ill from losing the genetic lottery or smacked from the outside by someone else's mistakes.
"You know how parents tell you everything's going to fine, but you know they're lying to make you feel better? Everything's going to be fine." - The Doctor