Having a long and healthy life is an incentive in and of itself.
There is no correlation between making good health choices and the cost of healthcare. The United States has some of the highest obesity rates on the planet, but it also has some of the highest healthcare costs. This clearly indicates that people do not consider the financial implications of bad dietary decisions when they are deciding what to eat.
In truth, just bolstering peoples understanding of general healthy practices and how to take care of themselves than people can decrease the risks they run into in daily life. One of the problems people have is that they are unable to tell when they should go to a doctor. If these things are clarified to the general public then there is no reason a healthy lifestyle with free healthcare can't be reached.
While some people do seek out danger for the thrill of it there’s plenty of incentive to living a happy and healthy lifestyle that doesn’t put your wellbeing at risk.