You weren't alive for many of those years so you may be surprised to learn that they were different from now.
You mean we currently live in a healthier environment where people naturally live longer due to the basic inexpensive medicines available at the supermarket? If your argument is that we currently live in healthier times requiring less insurance than the more dangerous times of years past then I completely agree with you. Times certainly are different.
When you get older you too will get to visit hospitals where every room is a technological wonder and every pill rivals the finest caviar in price. We just can't help our inclination to stay alive as long as possible.
Or, maybe you won't have to wait that long. The big C or some drunk going the wrong way at 75mph may well be your ticket to wonderland.
Isn't it good to know though that whatever gets you to the point of needing your life saved, at least you won't be dumping your bills on others?