Sounds like a misguided incentive ...
You only get so many chances to be sick before you can't come back from one, or it alters your life so severely you'd wish you were dead anyways.
I'll opt for paying to stay healthy.
>The reason that the rich were so rich, Vimes reasoned, was because they managed to spend less money.
>Take boots, for example. He earned thirty-eight dollars a month plus allowances. A really good pair of leather boots cost fifty dollars. But an affordable pair of boots, which were sort of OK for a season or two and then leaked like hell when the cardboard gave out, cost about ten dollars. Those were the kind of boots Vimes always bought, and wore until the soles were so thin that he could tell where he was in Ankh-Morpork on a foggy night by the feel of the cobbles.
>But the thing was that good boots lasted for years and years. A man who could afford fifty dollars had a pair of boots that’d still be keeping his feet dry in ten years’ time, while the poor man who could only afford cheap boots would have spent a hundred dollars on boots in the same time and would still have wet feet.
Fpr example, paying for a diabetic's insulin/blood sugar testing vs. amputating a limb, with the bonus of a working individual now likely ending up on disability
The point being, "an ounce of prevention is worth a pound of cure" - if you can afford it
Even if we're just going to say "diet and exercise" it is a privilege to not live in a food desert and have sidewalks. If we are to mention the free yearly physical it's a privilege to have a doctor nearby and be able to get the time off work
So no, I don't think I am the one missing the point
No one is saying "all medical issues are more expensive if you're poor" or "it's impossible to be healthier if you're poor." All of that is fantastic, but it in no way disproves the catch-22 that it is often more expensive to be poor, in many ways, including medicine. Particularly in the US with its clusterfuck confusopoly of copayments, coinsurance, deductibles, and so on, so the mere act of going to any doctor is a gamble