It seems to me that most life-saving medical procedures are done at the time of need. People tend not to get their appendix removed "as a precaution", and the most preventative care I can think of is an annual visit and vaccinations (and somehow we have managed to get a small segment of the population stupid enough to start protesting even that...)
I have no clue what the numbers are, but how many people actually have a will? A medical directive? Actively engage in preventative care before they have a problem? How many people go so far as to invest a large sum of money in advance, to ensure their health?
The most I've heard of is basic lifestyle changes: exercise more, eat healthy, regular checkups. In a different vein, setting up a will or an advanced medical directive. That's it. I can't think of a single example of someone spending $10,000 today, in order to prevent something ten years down the road.
Women with a high hereditary risk of breast cancer sometimes opt to have both their breasts removed pre-emptively. People take statins and blood pressure drugs for years to prevent heart attacks. Don't you have eye tests and dental checkups on a precautionary basis? There's plenty of preventative medical care.
Maybe the availability and marketing varies between countries - the fact that you assume people have to invest their own money to ensure their health suggests you're from the US or another country with a bad healthcare system. My country has a nationa...
From Mike Darwn's Chronopause, an essay titled "Would You Like Another Plate of This?", discussing people's attitudes to life:
Conclusion, graphs, and references in article. As usual, I recommend reading Chronopause.com as Darwin has many good articles; to quickly link a few: