Besides, you might not need prescription meds now, but maybe you will 5 years from now. If everybody just waited until they needed it, then bought the coverage, the savings would come out in the wash. They'd need the charge the people that need it twice as much to make up for losing all the folks who don't need it. It would just mean health insurance prices would rise more the older you got, it wouldn't actually save you money in the long run. It's just another species of the pre-existing conditions problem.