I would say that we no long have certainties about our future life, not just in healthcare. We used to know where we were going to be when we became older. Because the chances were you would be dead by 50, or because your social status, or nobility, would guarantee your lifestyle when you were old, or because you had 10 children and better odds one of them would take care of you.

Now, with the benefits, like social flexibility, life expectance, and, sure, better medicine (that comes with a cost), we all live longer, entering decades we have no idea what is going to be of us. So, uncertainty, make we work harder.

Ps: as a non-native english speaker, it was very hard to deal with all those different verb tenses. I hope people can understand it...