Sometimes these things are explained by looking at them from the other side. People aren’t taking advantage because the system wasn’t geared towards them or excludes them, or did in the past.
I have no idea what it’s like in Canada but the New Zealand healthcare system has some dark history and a history of institutional biases that are still a hinderance today. Despite being identified a long time ago, large gaps in healthcare exist here between various population groups. https://www.health.govt.nz/system/files/documents/publicatio...
More relevant though, and ongoing are the regular stories and findings that New Zealand is doing poorly with Maori health, with cancers found later and worse outcomes when treated. This persists after 20+ years of effort that was supposed to address it. It’s really bad as the differences in outcome are huge.
https://en.m.wikipedia.org/wiki/Cartwright_Inquiry
https://www.health.govt.nz/our-work/populations/maori-health...
No doubt a comprehensive screen at age 65 would explain some of it.
Edit: Indeed it does! Even those who have insurances prior to 65 see a spike.
https://acsjournals.onlinelibrary.wiley.com/cms/asset/094169...