MMM,

I can't believe you said that about paying only when you're well. That's a great idea and I proposed this exact plan about 10 years ago.

You contract with a doctor or hospital, pay a fixed monthly fee (basically, "insurance"), then when you get sick, the payments stop until you're well again.

This is a great idea and it's great to see that you thought of it as well! Excellent job. It is a great motivator.