In contrast, he explains, healthy workers can see the bigger picture and work cooperatively with others toward common goals.

Many of the uninsured are young and healthy workers in small companies.

Mentally healthy workers are less likely to be absent, involved in accidents or to use their physical health care benefits.

Companies with young, healthy workers, for instance, might see their premiums rise if everyone moved to a community rate.

Health experts say these accounts will be more attractive to younger, healthier workers.

Under ideal conditions, a quick and healthy worker can earn more than the minimum wage.

"We don't think younger healthier workers ought to be subsidizing older people," he said.

Researchers, he said, will measure the reactions of otherwise healthy workers to everything from automation to long hours.

What we can no longer afford isn't healthy workers.

"The health plan covers a mix of sick and healthy workers," she said.