Well, yes - and that's what insurance is. I don't buy medical services directly, I buy insurance so that should I need medical services, I can access them. But the "downside" to that is that I pay for something that I may never use. On the other hand, the upside is that because of pooled risk (and pooled money), I will be able to access medical services that I could not otherwise afford. Healthy people subsidize less healthy people, with the promise that they themselves will be subsidized when they become less healthy.