"care now to avoid paying the $5,000 deductible down the line." Does not answer the question of what to do with people who don't have a pot to piss in. You are

"care now to avoid paying the $5,000 deductible down the line." Does not answer the question of what to do with people who don't have a pot to piss in. You aren't going to deny them medical care. That's the problem. Just like you can't say "if you smoke we won't fix your lung cancer" (forgetting even if the link could be clearly established). Bottom line: You have to prevent people from their folly. Although certainly some people would respond to the incentive in your example.