A lot of people in this thread are too naive and optimistic, but not for the reasons you might think. We are in the twilight of a long era of peace and prosperity and are moving toward a time of great disorder. The West seems bent on abdicating its dominance of world politics, and no one knows what is going to take its place. Against that backdrop, trying to predict tiny details like the role of insurance in 10 year's time is pretty ridiculous, because there's a good chance that the changes won't be incremental.

Becoming a doctor sounds like a great idea, though. Good luck!