I agree that our health care system is a mess in terms of incentives. The most vulnerable group (65+) is covered nearly universally. So the main issue will be to control the spreading and prevent overloading of the medical system. From that perspective while the younger people are not as vulnerable there is no way to stop the spreading unless they seek help at the earliest time. And they will be vastly cheaper to treat than someone on ventilator for weeks. So even from an economic point of view, making all transmissible respiratory diseases free to diagnose and treat has a very high ROI.
