Everyone here's talking about saving in your youth to afford healthcare in your old age, but one of the best investments you can make is in your own health when you're young. A big part of why countries with universal healthcare often have _smaller_ per-capita budgets for healthcare, is because a few turn-your-head-and-coughs in your 30s, 40s, and 50s, will benefit you far more than expensive drugs and procedures in your 60s, 70s, and 80s.
Obviously it's not an either-or decision, and everyone's health declines eventually, but an efficient economy is all about spending the money where it will have the highest utility. I see new mothers forgoing checkups on their kids because their coverage sucks, and I wonder how much more we'll end up spending when the odd mole, rash, or ache turns into something more serious.