1) Insurance is free for you. Just sign up and that's all you've got to do. We want you to take it.
2) Avoiding medical care can be good or bad. Living healthy, yeah, for sure that's good. Not going to the doctor for minor stuff to save money, that's bad. What that is is just avoiding preventative care which is ultimately much cheaper than treatment after the fact. If you hit 62 and accept medicare, we'll all be paying for that lack of preventive care through the teeth. We would far rather that you sign up for the free insurance now, get that preventative care, and it'll save us a boatload on medicare.