Nothing, except for one inconvenient fact --- MEDICARE (if we continue on this path ) is on each way to bankruptcy. It will be there when you are close to 65. But what if you're 40? Can you still guarantee that it will be there for you?
There definitely aren't any guarantees. But in the same light, if you have your own health insurance and want to work past 65 ... it doesn't matter ... you still have to jump on to Medicare...which is ridiculous and a small part of the problem.
I absolutely understand where you're coming from, but people have had Medicare premiums taken out of their paychecks since they began working. Mismanagement of funds, fraud and giving Medicare to non-citizens is a chunk of the problem as well.
It is benefits given to illegals and those who abuse the system that has caused the enormous drain. Yes, I'm also referring to Medicaid as well as both are broke. Case in point; a listener called into talk radio and stated that she was a nurse and has seen people with 3 and 4 Medicaid cards and every 30 days, people are eligible for a 'review' of their eligibility and the system rarely catches up with them.