I work in enrollment for a large health insurance company. Comparing auto insurance to health insurance is apple to oranges. There are many type of complicated plan/products for health insurance, but typically auto insurance covers for accidents.
Health insurance is more about managing a person's health. Proactive care in wellness and preventative care now will assist in a person living healthier which reduces his/her cost of health down the road. The return on investment for these wellness/preventative care helps reduce the MLR for insurance companies which will in turn reduce premiums for group policies.