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That 401k isn't going to be very useful if you can't afford healthcare.

And even less useful if you're bankrupted by it.

Less than half of the population have stocks of any kind, so this is not an issue. For the ones that do, re-balance.

Hospitals & hospice are the ones who're gonna suck up all that sweet 401k money eventually anyway, in most cases. Inheritance is dead for the middle class—the elderly are, in the best case, sustained by their retirement accounts until they get sick in the last 5-10 years of their life and the healthcare industry siphons off all their money.

So yeah, go ahead and hit my retirement account for 20% in exchange for fixing healthcare—properly, like a real friggin' modern country I mean. Seems like a bargain.