This idea (not you, mind you; just your retarded idea) is retarded. Healthcare isn't a necessity until it is.
As a 22 year old, you are unlikely to suffer congestive heart failure. But you also clearly have no idea what it costs to get hit by a car, to have a sudden unexplained seizure, or a burst appendix.
The problem with health care isn't that perscriptions cost to much or that it costs too much to see a doctor. Any of us can pay for a doctor's visit. The problem is that a 4-night stay at hospital will bankrupt you.